Members Advantage Credit Union
Total assets
$134.7M
▲ +4.0% YoY
Shares & deposits
$123.0M
▲ +4.3% YoY
Loans
$51.3M
▼ -2.8% YoY
Members
7,776
▼ -2.8% YoY
ROA (annualized)
0.39%
peers 0.69%
ROE (annualized)
4.27%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.7 pts |
| ROA | 0.39% | 0.69% | -0.3 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3064 S. Ohio Street, Michigan City, IN, 46360
- NCUA charter #
- 68242
- RSSD ID
- 1013089
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $134.7M | $123.0M | $51.3M | $12.4M | $132K | 0.39% | 2.82% | 1.46% | 7,776 |
| Q4 2025 | $130.8M | $119.1M | $53.9M | $12.2M | $397K | 0.30% | 2.74% | 1.38% | 7,821 |
| Q3 2025 | $129.4M | $118.1M | $52.6M | $12.1M | $264K | 0.27% | 2.74% | 1.33% | 7,887 |
| Q2 2025 | $130.7M | $118.9M | $52.1M | $12.0M | $128K | 0.20% | 2.67% | 1.59% | 7,991 |
| Q1 2025 | $129.5M | $117.9M | $52.8M | $11.9M | $36K | 0.11% | 2.61% | 0.87% | 7,996 |
| Q4 2024 | $123.2M | $113.2M | $53.3M | $11.8M | $175K | 0.14% | 2.54% | 0.96% | 8,050 |
| Q3 2024 | $123.2M | $112.1M | $54.1M | $11.8M | $131K | 0.14% | 2.46% | 1.08% | 8,112 |
| Q2 2024 | $120.7M | $111.4M | $53.4M | $11.7M | $69K | 0.11% | 2.36% | 0.67% | 8,133 |
Loan mix (Q1 2026): real estate $21.4M · commercial $11.1M · consumer $14.5M · securities $69.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.62% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 78.7% | 80th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Solidarity Community Federal Credit UnionKokomo, IN · $354.6M
- Industrial Federal Credit UnionLafayette, IN · $355.6M
- Fort Financial Federal Credit UnionFort Wayne, IN · $398.4M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
Selling to Members Advantage Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.