| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.1 pts |
| Loan growth (YoY) | -1.5% | -2.6% | +1.1 pts |
| ROA | -0.57% | 0.65% | -1.2 pts |
| ROE | -4.3% | 4.4% | -8.7 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.5M | $9.0M | $4.5M | $1.4M | $-30K | -0.57% | 4.57% | 1.79% | 2,272 |
| Q1 2026 | $10.5M | $9.0M | $4.5M | $1.4M | $-19K | -0.71% | 4.55% | 0.86% | 2,200 |
| Q4 2025 | $10.1M | $8.6M | $4.8M | $1.4M | $-2K | -0.02% | 5.07% | 0.17% | 2,191 |
| Q3 2025 | $10.1M | $8.5M | $4.8M | $1.4M | $4K | 0.06% | 5.15% | 1.31% | 2,187 |
| Q2 2025 | $10.2M | $8.7M | $4.6M | $1.4M | $5K | 0.10% | 5.09% | 1.24% | 2,183 |
| Q1 2025 | $10.4M | $8.9M | $4.3M | $1.4M | $-5K | -0.18% | 4.83% | 0.84% | 2,177 |
| Q4 2024 | $10.3M | $8.8M | $4.7M | $1.4M | $33K | 0.33% | 5.07% | 0.52% | 2,169 |
| Q3 2024 | $10.3M | $8.8M | $4.8M | $1.4M | $36K | 0.47% | 4.97% | 0.33% | 2,203 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.0M | $8.5M | $4.7M | $1.4M | $28K | 0.55% | 5.08% | 0.84% | 2,187 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.8% | 80.6% | 90th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Allen, IN, ranked 54th with 0.0% of deposits.
Mississippi: 138th with 0.00% · Indiana: 268th with 0.00% · Jackson metro: 49th, 0.02% · Fort Wayne metro: 58th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2