| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $1.4M | $941K | $239K | $4K | 0.53% | 4.38% | 0.23% | 267 |
| Q1 2026 | $1.7M | $1.4M | $1.0M | $241K | $5K | 1.14% | 4.79% | 0.24% | 268 |
| Q4 2025 | $1.6M | $1.4M | $1.0M | $235K | $23K | 1.39% | 4.09% | 0.72% | 270 |
| Q3 2025 | $1.6M | $1.4M | $988K | $237K | $34K | 2.72% | 4.11% | 0.86% | 271 |
| Q2 2025 | $1.6M | $1.4M | $980K | $234K | $19K | 2.31% | 3.71% | 0.96% | 273 |
| Q1 2025 | $1.6M | $1.4M | $963K | $233K | $13K | 3.15% | 3.57% | 1.07% | 275 |
| Q4 2024 | $1.7M | $1.4M | $981K | $214K | $22K | 1.36% | 4.96% | 1.15% | 277 |
| Q3 2024 | $1.6M | $1.4M | $1.1M | $208K | $18K | 1.50% | 5.33% | 1.14% | 280 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.7M |
| $1.5M |
| $1.0M |
| $202K |
| $11K |
| 1.32% |
| 5.19% |
| 1.30% |
| 279 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $748K · securities $374K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 80.6% | 67th |
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: Greene, IN, ranked 8th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, IN | 1 | $1.4M* | 0.25% | 8th |
Indiana: 278th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1