| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.1 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | 2.09% | 0.65% | +1.4 pts |
| ROE | 15.3% | 4.4% | +10.9 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.0M | $21.4M | $9.0M | $3.4M | $261K | 2.09% | 4.18% | 0.95% | 2,092 |
| Q1 2026 | $25.1M | $21.6M | $9.2M | $3.3M | $125K | 1.99% | 4.10% | 0.28% | 2,088 |
| Q4 2025 | $24.2M | $20.8M | $9.1M | $3.2M | $473K | 1.96% | 3.78% | 0.26% | 2,115 |
| Q3 2025 | $23.7M | $20.4M | $9.0M | $3.1M | $342K | 1.92% | 3.70% | 0.47% | 2,025 |
| Q2 2025 | $23.3M | $20.2M | $8.9M | $3.0M | $215K | 1.84% | 3.61% | 0.28% | 2,031 |
| Q1 2025 | $23.1M | $20.1M | $8.7M | $2.8M | $100K | 1.73% | 3.59% | 0.11% | 2,049 |
| Q4 2024 | $23.1M | $20.3M | $8.9M | $2.7M | $319K | 1.38% | 3.38% | 0.38% | 2,087 |
| Q3 2024 | $23.1M | $20.3M | $8.8M | $2.7M | $246K | 1.42% | 3.31% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,145 |
| Q2 2024 | $22.7M | $20.1M | $8.8M | $2.6M | $131K | 1.15% | 3.20% | 0.28% | 2,157 |
Loan mix (Q2 2026): real estate $360K · commercial $338K · consumer $7.8M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 80.6% | 9th |
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: Whitley, IN, ranked 12th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Whitley, IN | 1 | $21.4M* | 2.23% | 12th |
Indiana: 225th with 0.01% · Fort Wayne metro: 38th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1