Thrive Federal Credit Union
Total assets
$113.4M
▲ +7.4% YoY
Shares & deposits
$99.9M
▲ +6.3% YoY
Loans
$72.0M
▲ +12.8% YoY
Members
8,323
▲ +5.3% YoY
ROA (annualized)
0.64%
peers 0.69%
ROE (annualized)
5.59%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.9% | +3.5 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +12.8% | +2.9% | +9.9 pts |
| ROA | 0.64% | 0.69% | -0.1 pts |
| ROE | 5.6% | 5.9% | -0.4 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4501 S Delaware Dr, Muncie, IN, 47302
- NCUA charter #
- 3631
- RSSD ID
- 443773
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.4M | $99.9M | $72.0M | $13.0M | $181K | 0.64% | 3.66% | 1.27% | 8,323 |
| Q4 2025 | $107.2M | $93.9M | $71.4M | $12.8M | $1.7M | 1.60% | 3.80% | 1.40% | 8,211 |
| Q3 2025 | $106.5M | $94.0M | $69.1M | $12.4M | $1.3M | 1.61% | 3.75% | 1.30% | 8,150 |
| Q2 2025 | $103.8M | $91.8M | $66.8M | $11.9M | $847K | 1.63% | 3.73% | 0.81% | 8,112 |
| Q1 2025 | $105.6M | $94.0M | $63.8M | $11.5M | $419K | 1.59% | 3.52% | 1.16% | 7,906 |
| Q4 2024 | $99.9M | $88.7M | $62.4M | $11.1M | $874K | 0.87% | 3.48% | 1.76% | 7,812 |
| Q3 2024 | $100.7M | $89.7M | $61.1M | $10.9M | $703K | 0.93% | 3.40% | 0.67% | 7,774 |
| Q2 2024 | $97.0M | $86.3M | $59.5M | $10.7M | $483K | 1.00% | 3.47% | 1.16% | 7,660 |
Loan mix (Q1 2026): real estate $34.6M · commercial $0 · consumer $32.8M · securities $12.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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