| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | +1.5% | +3.3% | -1.8 pts |
| Loan growth (YoY) | -10.8% | +2.9% | -13.7 pts |
| ROA | 0.19% | 0.69% | -0.5 pts |
| ROE | 1.5% | 5.9% | -4.4 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $354.6M | $314.4M | $181.6M | $43.1M | $166K | 0.19% | 3.06% | 0.26% | 23,763 |
| Q4 2025 | $348.0M | $306.9M | $188.7M | $43.0M | $3.3M | 0.94% | 3.04% | 0.71% | 23,823 |
| Q3 2025 | $345.5M | $303.2M | $195.4M | $42.6M | $2.9M | 1.12% | 3.04% | 0.46% | 24,131 |
| Q2 2025 | $348.1M | $305.2M | $201.1M | $42.0M | $2.4M | 1.37% | 2.97% | 0.59% | 24,227 |
| Q1 2025 | $355.3M | $309.7M | $203.6M | $40.2M | $392K | 0.44% | 2.84% | 0.23% | 24,329 |
| Q4 2024 | $350.0M | $292.2M | $207.5M | $39.9M | $2.0M | 0.57% | 2.72% | 0.72% | 24,381 |
| Q3 2024 | $350.2M | $288.4M | $211.0M | $39.7M | $1.8M | 0.69% | 2.69% | 0.52% | 24,614 |
| Q2 2024 | $343.7M | $285.0M | $208.2M | $39.2M | $1.3M | 0.76% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 24,603 |
Loan mix (Q1 2026): real estate $48.9M · commercial $1.0M · consumer $122.7M · securities $95.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 78.7% | 86th |
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: Howard, IN, ranked 3rd with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, IN | 2 | $305.2M* | 12.21% | 3rd |
Indiana: 95th with 0.12% · Kokomo metro: 3rd, 12.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2