| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | -7.8% | +0.9% | -8.7 pts |
| Loan growth (YoY) | +9.1% | -2.6% | +11.7 pts |
| ROA | 1.73% | 0.65% | +1.1 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.4M | $733K | $398K | $551K | $12K | 1.73% | 4.19% | 0.00% | 146 |
| Q1 2026 | $1.4M | $729K | $408K | $546K | $7K | 2.07% | 4.01% | 0.51% | 151 |
| Q4 2025 | $1.4M | $674K | $381K | $538K | $12K | 0.88% | 3.83% | 0.00% | 248 |
| Q3 2025 | $1.2M | $690K | $386K | $486K | $10K | 1.04% | 4.35% | 11.47% | 144 |
| Q2 2025 | $1.4M | $795K | $365K | $432K | $6K | 0.83% | 3.80% | 0.20% | 248 |
| Q1 2025 | $1.1M | $720K | $398K | $428K | $2K | 0.80% | 4.62% | 0.00% | 245 |
| Q4 2024 | $1.1M | $692K | $426K | $426K | $13K | 1.17% | 4.67% | 0.00% | 253 |
| Q3 2024 | $1.1M | $679K | $480K | $422K | $9K | 1.11% | 4.80% | 0.00% | 252 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $673K |
| $421K |
| $416K |
| $4K |
| 0.62% |
| 4.62% |
| 0.00% |
| 256 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $290K · securities $527K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 80.6% | 52nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Marion, IN, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 1 | $733K* | 0.00% | 50th |
Indiana: 283rd with 0.00% · Indianapolis-Carmel-Greenwood metro: 81st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1