| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -5.0% | +0.9% | -6.0 pts |
| Loan growth (YoY) | -11.4% | -2.6% | -8.7 pts |
| ROA | -0.63% | 0.65% | -1.3 pts |
| ROE | -2.6% | 4.4% | -7.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.0M | $3.1M | $2.8M | $971K | $-13K | -0.63% | 4.97% | 0.12% | 883 |
| Q1 2026 | $4.2M | $3.2M | $2.9M | $973K | $-11K | -1.02% | 4.86% | 0.17% | 883 |
| Q4 2025 | $4.1M | $3.1M | $2.8M | $983K | $9K | 0.22% | 10.33% | 0.05% | 882 |
| Q3 2025 | $4.0M | $3.1M | $3.0M | $984K | $10K | 0.32% | 12.24% | 0.00% | 904 |
| Q2 2025 | $4.2M | $3.2M | $3.1M | $971K | $-3K | -0.15% | 15.05% | 0.00% | 911 |
| Q1 2025 | $4.4M | $3.4M | $3.1M | $967K | $-8K | -0.71% | 22.90% | 0.00% | 915 |
| Q4 2024 | $4.1M | $3.1M | $2.9M | $970K | $-4K | -0.11% | 4.85% | 0.00% | 904 |
| Q3 2024 | $4.4M | $3.4M | $2.9M | $974K | $-911 | -0.03% | 4.66% | 0.00% | 919 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.63% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.4M | $3.4M | $3.3M | $969K | $-5K | -0.25% | 4.55% | 0.00% | 915 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.0% | 80.6% | 93rd |
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: Vigo, IN, ranked 13th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vigo, IN | 1 | $3.1M* | 0.10% | 13th |
Indiana: 272nd with 0.00% · Terre Haute metro: 14th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1