| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +1.3% | +9.4 pts |
| Share growth (YoY) | -6.6% | +0.9% | -7.5 pts |
| Loan growth (YoY) | +9.7% | -2.6% | +12.3 pts |
| ROA | 2.55% | 0.65% | +1.9 pts |
| ROE | 26.1% | 4.4% | +21.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.3M | $717K | $179K | $23K | 2.55% | 2.20% | 3.89% | 299 |
| Q1 2026 | $1.8M | $1.3M | $720K | $193K | $11K | 2.38% | 2.15% | 1.87% | 291 |
| Q4 2025 | $1.7M | $1.2M | $785K | $160K | $40K | 2.29% | 2.05% | 4.73% | 281 |
| Q3 2025 | $1.8M | $1.4M | $718K | $146K | $25K | 1.90% | 1.39% | 2.38% | 294 |
| Q2 2025 | $1.7M | $1.4M | $654K | $138K | $17K | 2.08% | 1.44% | 1.15% | 292 |
| Q1 2025 | $1.7M | $1.4M | $663K | $128K | $7K | 1.72% | 0.73% | 4.51% | 282 |
| Q4 2024 | $1.9M | $1.7M | $579K | $121K | $38K | 2.03% | 2.40% | 5.09% | 431 |
| Q3 2024 | $801K | $639K | $605K | $107K | $20K | 3.29% | 5.46% | 4.18% | 423 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $813K |
| $381K |
| $643K |
| $141K |
| $-38K |
| -9.27% |
| 5.00% |
| 6.42% |
| 398 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $377K · securities $534K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 49th |
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: Allen, IN, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 2 | $1.3M* | 0.01% | 56th |
Indiana: 279th with 0.00% · Fort Wayne metro: 60th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2