| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +7.2% | +0.9% | +6.3 pts |
| Loan growth (YoY) | +4.7% | -2.6% | +7.3 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.4M | $16.7M | $16.5M | $2.5M | $47K | 0.48% | 4.93% | 1.77% | 1,269 |
| Q1 2026 | $19.6M | $17.0M | $16.2M | $2.5M | $22K | 0.44% | 4.76% | 2.78% | 1,285 |
| Q4 2025 | $18.2M | $15.7M | $16.2M | $2.5M | $-178K | -0.98% | 4.81% | 3.09% | 1,280 |
| Q3 2025 | $17.9M | $15.0M | $15.9M | $2.9M | $20K | 0.15% | 4.84% | 3.15% | 1,289 |
| Q2 2025 | $18.4M | $15.6M | $15.8M | $2.7M | $10K | 0.10% | 4.58% | 1.54% | 1,302 |
| Q1 2025 | $18.0M | $15.3M | $15.3M | $2.6M | $3K | 0.06% | 4.52% | 1.06% | 1,488 |
| Q4 2024 | $17.2M | $14.6M | $15.3M | $2.6M | $70K | 0.40% | 4.63% | 1.29% | 1,329 |
| Q3 2024 | $17.2M | $14.5M | $15.1M | $2.6M | $53K | 0.41% | 4.60% | 1.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,341 |
| Q2 2024 | $17.7M | $14.8M | $15.0M | $2.6M | $30K | 0.34% | 4.40% | 0.78% | 1,378 |
Loan mix (Q2 2026): real estate $7.0M · commercial $0 · consumer $8.3M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 80.6% | 75th |
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.
3 branches in 3 counties across 2 states (-2 vs 2025). Biggest market: Allen, IN, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 1 | $5.6M* | 0.04% | 50th |
| Berrien, MI | 1 | $5.6M* | 0.13% | 15th |
| Spencer, IN | 1 | $5.6M* | 1.11% | 6th |
Indiana: 250th with 0.00% · Michigan: 296th with 0.00% · Niles metro: 15th, 0.13% · Fort Wayne metro: 54th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 3