| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.3 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.6 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.0M | $11.8M | $6.7M | $3.0M | $16K | 0.21% | 3.87% | 3.79% | 1,391 |
| Q1 2026 | $14.8M | $11.6M | $6.5M | $3.0M | $8K | 0.21% | 3.72% | 2.55% | 1,387 |
| Q4 2025 | $14.4M | $11.2M | $6.6M | $3.0M | $2K | 0.01% | 3.90% | 0.42% | 1,395 |
| Q3 2025 | $14.0M | $11.0M | $6.9M | $3.0M | $1K | 0.01% | 3.90% | 0.47% | 1,409 |
| Q2 2025 | $14.2M | $11.2M | $6.7M | $3.0M | $-10K | -0.14% | 3.77% | 0.41% | 1,414 |
| Q1 2025 | $14.8M | $11.7M | $6.3M | $3.0M | $8K | 0.22% | 3.63% | 0.64% | 1,427 |
| Q4 2024 | $14.4M | $11.4M | $6.6M | $3.0M | $-28K | -0.19% | 3.68% | 1.20% | 1,441 |
| Q3 2024 | $14.8M | $11.7M | $7.0M | $3.0M | $-13K | -0.12% | 3.56% | 1.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,455 |
| Q2 2024 | $14.4M | $12.1M | $7.2M | $3.0M | $5K | 0.06% | 3.62% | 0.42% | 1,457 |
Loan mix (Q2 2026): real estate $2.5M · commercial $443K · consumer $2.9M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 80.6% | 80th |
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: Lake, IN, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $11.8M* | 0.07% | 31st |
Indiana: 247th with 0.00% · Chicago-Naperville-Elgin metro: 219th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1