| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +5.2% | +0.9% | +4.2 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.4M | $13.3M | $6.1M | $2.0M | $27K | 0.36% | 4.18% | 0.64% | 1,304 |
| Q1 2026 | $15.3M | $13.3M | $6.1M | $1.9M | $-39K | -1.04% | 4.17% | 0.74% | 1,299 |
| Q4 2025 | $15.1M | $13.1M | $6.4M | $2.0M | $159K | 1.06% | 4.31% | 1.44% | 1,297 |
| Q3 2025 | $14.8M | $12.9M | $6.4M | $1.9M | $97K | 0.87% | 4.38% | 1.22% | 1,298 |
| Q2 2025 | $14.5M | $12.7M | $6.5M | $1.8M | $25K | 0.34% | 4.47% | 1.21% | 1,296 |
| Q1 2025 | $15.3M | $13.5M | $6.8M | $1.8M | $6K | 0.16% | 4.04% | 2.02% | 1,289 |
| Q4 2024 | $14.7M | $12.9M | $6.8M | $1.8M | $66K | 0.45% | 3.90% | 3.33% | 1,292 |
| Q3 2024 | $14.3M | $12.5M | $6.9M | $1.8M | $54K | 0.50% | 3.80% | 1.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,300 |
| Q2 2024 | $14.9M | $13.0M | $7.2M | $1.7M | $20K | 0.26% | 3.25% | 2.11% | 1,299 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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: Tippecanoe, IN, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tippecanoe, IN | 1 | $6.7M* | 0.12% | 20th |
Indiana: 261st with 0.00% · Lafayette-West Lafayette metro: 23rd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2