| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.1% | +1.3% | +16.8 pts |
| Share growth (YoY) | +16.7% | +0.9% | +15.8 pts |
| Loan growth (YoY) | +19.1% | -2.6% | +21.7 pts |
| ROA | 0.11% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.6M | $81.0M | $72.3M | $8.3M | $47K | 0.11% | 3.90% | 0.89% | 7,863 |
| Q1 2026 | $89.3M | $81.9M | $66.7M | $6.7M | $-35K | -0.16% | 3.78% | 1.35% | 7,796 |
| Q4 2025 | $83.7M | $75.6M | $66.9M | $6.7M | $585K | 0.70% | 4.05% | 1.30% | 7,740 |
| Q3 2025 | $79.5M | $72.8M | $63.1M | $6.6M | $418K | 0.70% | 4.26% | 1.13% | 7,665 |
| Q2 2025 | $75.9M | $69.4M | $60.7M | $6.4M | $225K | 0.59% | 4.39% | 1.09% | 7,543 |
| Q1 2025 | $76.8M | $70.4M | $52.5M | $6.3M | $80K | 0.42% | 4.08% | 1.09% | 7,542 |
| Q4 2024 | $73.5M | $67.7M | $50.5M | $6.2M | $299K | 0.41% | 4.07% | 1.35% | 7,547 |
| Q3 2024 | $74.1M | $65.1M | $50.2M | $6.4M | $424K | 0.76% | 3.87% | 1.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,591 |
| Q2 2024 | $70.1M | $61.5M | $50.5M | $6.2M | $220K | 0.63% | 3.99% | 1.35% | 7,799 |
Loan mix (Q2 2026): real estate $15.5M · commercial $2.5M · consumer $51.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (-1 vs 2025). Biggest market: Madison, IN, ranked 12th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IN | 2 | $54.0M* | 2.49% | 12th |
| Ouachita, LA | 1 | $27.0M* | 0.50% | 22nd |
Indiana: 182nd with 0.02% · Louisiana: 185th with 0.02% · Indianapolis-Carmel-Greenwood metro: 55th, 0.05% · Monroe metro: 26th, 0.37% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 4 · 2026 3