Primetrust Financial Federal Credit Union
Total assets
$265.2M
▲ +8.1% YoY
Shares & deposits
$237.1M
▲ +7.4% YoY
Loans
$192.8M
▲ +9.2% YoY
Members
18,575
▼ -4.7% YoY
ROA (annualized)
0.99%
peers 0.69%
ROE (annualized)
9.85%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +9.2% | +2.9% | +6.3 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 9.8% | 5.9% | +3.9 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3700 W Bethel Ave, Muncie, IN, 47304
- NCUA charter #
- 489
- RSSD ID
- 969871
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $265.2M | $237.1M | $192.8M | $26.6M | $656K | 0.99% | 4.32% | 0.36% | 18,575 |
| Q4 2025 | $257.2M | $229.9M | $196.1M | $26.0M | $2.5M | 0.98% | 4.27% | 0.35% | 18,597 |
| Q3 2025 | $244.0M | $217.2M | $194.0M | $25.7M | $2.1M | 1.17% | 4.46% | 0.39% | 18,652 |
| Q2 2025 | $244.2M | $218.0M | $187.7M | $25.1M | $1.6M | 1.33% | 4.38% | 0.26% | 18,553 |
| Q1 2025 | $245.2M | $220.8M | $176.5M | $24.1M | $343K | 0.56% | 4.42% | 0.43% | 19,491 |
| Q4 2024 | $238.6M | $214.5M | $167.1M | $23.8M | $1.3M | 0.56% | 3.90% | 1.61% | 17,973 |
| Q3 2024 | $240.3M | $216.6M | $165.1M | $23.4M | $926K | 0.51% | 3.87% | 0.60% | 17,973 |
| Q2 2024 | $236.3M | $213.1M | $163.2M | $21.6M | $395K | 0.33% | 3.84% | 0.59% | 18,181 |
Loan mix (Q1 2026): real estate $35.6M · commercial $32.1M · consumer $120.1M · securities $33.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.62% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Solidarity Community Federal Credit UnionKokomo, IN · $354.6M
- Industrial Federal Credit UnionLafayette, IN · $355.6M
- Fort Financial Federal Credit UnionFort Wayne, IN · $398.4M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
Selling to Primetrust Financial Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.