| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -9.0% | +0.9% | -10.0 pts |
| Loan growth (YoY) | -15.3% | -2.6% | -12.7 pts |
| ROA | -1.97% | 0.65% | -2.6 pts |
| ROE | -21.0% | 4.4% | -25.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.0M | $21.6M | $16.4M | $2.3M | $-236K | -1.97% | 3.14% | 2.09% | 2,036 |
| Q1 2026 | $25.1M | $22.6M | $16.7M | $2.4M | $-132K | -2.10% | 2.83% | 1.13% | 2,045 |
| Q4 2025 | $26.4M | $23.8M | $18.1M | $2.5M | $-33K | -0.12% | 3.13% | 1.27% | 2,082 |
| Q3 2025 | $27.1M | $24.4M | $18.8M | $2.6M | $42K | 0.21% | 3.13% | 0.69% | 2,094 |
| Q2 2025 | $26.4M | $23.7M | $19.4M | $2.6M | $66K | 0.50% | 3.20% | 1.45% | 2,100 |
| Q1 2025 | $26.9M | $24.2M | $20.0M | $2.6M | $41K | 0.61% | 3.20% | 1.37% | 2,096 |
| Q4 2024 | $26.0M | $23.4M | $20.0M | $2.6M | $86K | 0.33% | 2.89% | 1.18% | 2,107 |
| Q3 2024 | $25.3M | $22.7M | $19.8M | $2.5M | $62K | 0.33% | 2.85% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.97% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -21.0% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,082 |
| Q2 2024 | $25.6M | $22.9M | $19.1M | $2.6M | $85K | 0.66% | 2.64% | 0.21% | 2,041 |
Loan mix (Q2 2026): real estate $615K · commercial $214K · consumer $15.0M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.9% | 80.6% | 91st |
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 (+0 vs 2025). Biggest market: Monroe, FL, ranked 11th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, FL | 1 | $10.8M* | 0.23% | 11th |
| Allen, IN | 1 | $10.8M* | 0.08% | 42nd |
Indiana: 251st with 0.00% · Florida: 315th with 0.00% · Fort Wayne metro: 46th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2