| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.7 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.9 pts |
| ROA | 1.24% | 0.65% | +0.6 pts |
| ROE | 11.1% | 4.4% | +6.7 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.5M | $40.3M | $26.3M | $5.1M | $283K | 1.24% | 4.29% | 1.98% | 8,519 |
| Q1 2026 | $45.0M | $39.9M | $27.6M | $5.0M | $135K | 1.20% | 4.27% | 1.58% | 8,668 |
| Q4 2025 | $43.4M | $38.4M | $27.5M | $4.8M | $685K | 1.58% | 4.39% | 2.55% | 9,315 |
| Q3 2025 | $43.6M | $38.7M | $28.3M | $4.7M | $553K | 1.69% | 4.36% | 1.75% | 9,353 |
| Q2 2025 | $43.5M | $38.9M | $28.8M | $4.5M | $476K | 2.19% | 4.28% | 1.68% | 9,344 |
| Q1 2025 | $43.3M | $39.0M | $28.9M | $4.3M | $151K | 1.39% | 4.15% | 0.99% | 9,326 |
| Q4 2024 | $40.7M | $36.6M | $28.9M | $4.1M | $252K | 0.62% | 4.28% | 1.28% | 9,342 |
| Q3 2024 | $41.7M | $37.6M | $28.9M | $4.0M | $-46K | -0.15% | 4.09% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,335 |
| Q2 2024 | $43.1M | $39.2M | $29.4M | $3.9M | $41K | 0.19% | 3.87% | 0.84% | 9,328 |
Loan mix (Q2 2026): real estate $5.1M · commercial $0 · consumer $20.3M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 80.6% | 29th |
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 9th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vigo, IN | 1 | $40.3M* | 1.31% | 9th |
Indiana: 198th with 0.02% · Terre Haute metro: 10th, 0.94% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1