| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | 1.54% | 0.65% | +0.9 pts |
| ROE | 10.5% | 4.4% | +6.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.6M | $50.8M | $48.6M | $8.7M | $458K | 1.54% | 4.17% | 1.13% | 5,911 |
| Q1 2026 | $58.3M | $49.7M | $47.6M | $8.5M | $207K | 1.42% | 4.17% | 0.73% | 5,886 |
| Q4 2025 | $56.4M | $48.0M | $46.8M | $8.3M | $659K | 1.17% | 4.26% | 0.14% | 5,870 |
| Q3 2025 | $56.3M | $48.0M | $46.2M | $8.2M | $443K | 1.05% | 4.20% | 0.07% | 5,885 |
| Q2 2025 | $57.4M | $49.0M | $46.0M | $8.2M | $500K | 1.74% | 4.88% | 0.09% | 6,050 |
| Q1 2025 | $58.0M | $49.9M | $44.1M | $8.0M | $254K | 1.76% | 4.68% | 0.15% | 6,015 |
| Q4 2024 | $56.2M | $48.4M | $43.6M | $7.7M | $697K | 1.24% | 3.96% | 0.18% | 5,980 |
| Q3 2024 | $54.8M | $47.2M | $43.6M | $7.5M | $428K | 1.04% | 3.83% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,881 |
| Q2 2024 | $54.8M | $47.3M | $44.9M | $7.3M | $234K | 0.85% | 3.67% | 0.17% | 6,002 |
Loan mix (Q2 2026): real estate $6.4M · commercial $10.0M · consumer $28.1M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 80.6% | 28th |
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 2025). Biggest market: Grant, IN, ranked 11th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, IN | 2 | $50.8M* | 2.96% | 11th |
Indiana: 185th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 2 · 2024 2 · 2025 2 · 2026 2