| Metric | Nsp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -8.4% | +0.9% | -9.4 pts |
| Loan growth (YoY) | +2.7% | -2.6% | +5.3 pts |
| ROA | -0.56% | 0.65% | -1.2 pts |
| ROE | -2.7% | 4.4% | -7.0 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 | $35.1M | $27.1M | $20.6M | $7.3M | $-98K | -0.56% | 4.18% | 1.22% | 2,666 |
| Q1 2026 | $36.2M | $28.2M | $20.8M | $7.4M | $-71K | -0.79% | 3.99% | 0.83% | 2,699 |
| Q4 2025 | $36.3M | $28.2M | $20.9M | $7.4M | $-229K | -0.63% | 3.82% | 0.19% | 2,707 |
| Q3 2025 | $36.3M | $28.2M | $20.2M | $7.5M | $-194K | -0.71% | 3.76% | 0.38% | 2,731 |
| Q2 2025 | $37.6M | $29.6M | $20.1M | $7.5M | $-218K | -1.16% | 3.53% | 1.67% | 2,755 |
| Q1 2025 | $38.6M | $30.5M | $20.7M | $7.6M | $-96K | -1.00% | 3.34% | 0.62% | 2,768 |
| Q4 2024 | $38.3M | $30.2M | $21.5M | $7.7M | $-137K | -0.36% | 3.61% | 0.38% | 2,786 |
| Q3 2024 | $38.5M | $30.3M | $21.5M | $7.7M | $-106K | -0.37% | 3.60% | 0.56% |
| Ratio | Nsp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.56% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,803 |
| Q2 2024 | $39.5M | $31.4M | $22.3M | $7.7M | $-71K | -0.36% | 3.49% | 0.28% | 2,824 |
Loan mix (Q2 2026): real estate $3.7M · commercial $0 · consumer $13.3M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 80.6% | 82nd |
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 | Nsp Credit Union | 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 | Nsp Credit Union | 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 | Nsp Credit Union | 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 | Nsp Credit Union | 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 | Nsp Credit Union | 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: Allen, IN, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 1 | $13.6M* | 0.11% | 39th |
| Ramsey, MN | 1 | $13.6M* | 0.02% | 54th |
Indiana: 243rd with 0.01% · Minnesota: 353rd with 0.00% · Fort Wayne metro: 43rd, 0.09% · Minneapolis-St. Paul-Bloomington metro: 163rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2