| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.4 pts |
| ROA | 0.82% | 0.65% | +0.2 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.7M | $42.3M | $31.5M | $6.1M | $200K | 0.82% | 3.42% | 0.15% | 3,063 |
| Q1 2026 | $49.4M | $43.1M | $32.2M | $6.0M | $85K | 0.69% | 3.26% | 0.39% | 3,055 |
| Q4 2025 | $50.5M | $44.1M | $30.9M | $5.9M | $353K | 0.70% | 3.15% | 0.11% | 3,052 |
| Q3 2025 | $49.8M | $43.6M | $32.0M | $5.8M | $255K | 0.68% | 3.12% | 0.08% | 3,037 |
| Q2 2025 | $47.7M | $41.4M | $31.3M | $5.7M | $146K | 0.61% | 3.18% | 0.59% | 3,018 |
| Q1 2025 | $47.8M | $41.8M | $30.9M | $5.6M | $57K | 0.47% | 3.11% | 0.77% | 3,010 |
| Q4 2024 | $47.4M | $41.5M | $31.8M | $5.6M | $331K | 0.70% | 3.28% | 0.12% | 3,021 |
| Q3 2024 | $43.4M | $37.6M | $30.8M | $5.6M | $329K | 1.01% | 3.61% | 0.62% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,988 |
| Q2 2024 | $40.5M | $34.7M | $31.5M | $5.4M | $175K | 0.87% | 3.58% | 0.82% | 2,974 |
Loan mix (Q2 2026): real estate $13.5M · commercial $14.9M · consumer $2.4M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 80.6% | 48th |
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.
3 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Sullivan, IN, ranked 4th with 7.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sullivan, IN | 2 | $28.2M* | 7.06% | 4th |
| Clay, IN | 1 | $14.1M* | 2.66% | 5th |
Indiana: 196th with 0.02% · Terre Haute metro: 9th, 0.98% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3