| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +1.3% | -9.7 pts |
| Share growth (YoY) | -8.4% | +0.9% | -9.3 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.3 pts |
| ROA | -2.29% | 0.65% | -2.9 pts |
| ROE | -7.9% | 4.4% | -12.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.9M | $2.0M | $1.7M | $828K | $-33K | -2.29% | 5.54% | 6.84% | 361 |
| Q1 2026 | $2.7M | $1.9M | $1.8M | $856K | $-5K | -0.70% | 6.04% | 3.09% | 362 |
| Q4 2025 | $2.9M | $2.0M | $1.8M | $861K | $-46K | -1.59% | 5.28% | 6.56% | 364 |
| Q3 2025 | $3.1M | $2.2M | $1.8M | $888K | $-18K | -0.81% | 4.95% | 1.80% | 371 |
| Q2 2025 | $3.1M | $2.2M | $1.9M | $902K | $-4K | -0.29% | 4.76% | 3.10% | 363 |
| Q1 2025 | $3.3M | $2.4M | $2.0M | $916K | $9K | 1.14% | 4.38% | 0.96% | 364 |
| Q4 2024 | $3.4M | $2.5M | $2.0M | $906K | $-16K | -0.47% | 4.28% | 6.48% | 367 |
| Q3 2024 | $3.4M | $2.5M | $2.2M | $916K | $-7K | -0.27% | 4.19% | 5.08% | 366 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.29% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -7.9% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.5M | $2.5M | $2.2M | $920K | $-3K | -0.17% | 4.04% | 3.55% | 374 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $912K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.6% | 80.6% | 95th |
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 (+1 vs 2025). Biggest market: St. Joseph, IN, ranked 24th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Joseph, IN | 2 | $2.0M* | 0.02% | 24th |
Indiana: 276th with 0.00% · South Bend-Mishawaka metro: 29th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2