| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.6% | +0.7% | +6.9 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.7M | $48.9M | $23.8M | $8.5M | $110K | 0.76% | 2.85% | 0.00% | 3,230 |
| Q4 2025 | $56.2M | $47.6M | $24.7M | $8.4M | $407K | 0.72% | 2.88% | 0.00% | 3,250 |
| Q3 2025 | $56.1M | $47.6M | $24.7M | $8.3M | $353K | 0.84% | 2.82% | 0.26% | 3,270 |
| Q2 2025 | $55.6M | $47.1M | $25.3M | $8.2M | $239K | 0.86% | 2.79% | 0.00% | 3,280 |
| Q1 2025 | $53.8M | $45.5M | $25.4M | $8.1M | $82K | 0.61% | 2.68% | 0.35% | 3,281 |
| Q4 2024 | $52.0M | $43.8M | $26.3M | $8.0M | $435K | 0.84% | 2.84% | 0.16% | 3,287 |
| Q3 2024 | $50.8M | $42.7M | $27.5M | $7.9M | $330K | 0.87% | 2.83% | 0.21% | 3,297 |
| Q2 2024 | $50.6M | $42.5M | $26.9M | $7.8M | $224K | 0.89% | 2.86% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,299 |
Loan mix (Q1 2026): real estate $10.1M · commercial $0 · consumer $11.1M · securities $27.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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 1 county across 1 state (+0 vs 2024). Biggest market: Marion, IN, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 2 | $47.1M* | 0.10% | 32nd |
Indiana: 188th with 0.02% · Indianapolis-Carmel-Greenwood metro: 56th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2