| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.0 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.2 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.4M | $39.2M | $23.7M | $14.1M | $138K | 0.52% | 2.54% | 1.34% | 1,976 |
| Q1 2026 | $54.2M | $40.1M | $23.5M | $14.0M | $9K | 0.06% | 2.20% | 1.34% | 1,988 |
| Q4 2025 | $52.7M | $38.7M | $23.4M | $14.0M | $346K | 0.66% | 2.22% | 0.10% | 2,041 |
| Q3 2025 | $52.8M | $38.8M | $24.2M | $13.9M | $234K | 0.59% | 2.12% | 1.16% | 2,048 |
| Q2 2025 | $52.8M | $38.8M | $22.9M | $13.8M | $157K | 0.59% | 2.13% | 0.25% | 2,026 |
| Q1 2025 | $52.5M | $38.7M | $22.3M | $13.8M | $92K | 0.70% | 1.91% | 0.07% | 2,027 |
| Q4 2024 | $51.0M | $37.3M | $22.5M | $13.7M | $5K | 0.01% | 1.55% | 0.22% | 2,041 |
| Q3 2024 | $50.9M | $37.1M | $21.8M | $13.7M | $52K | 0.14% | 1.49% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,044 |
| Q2 2024 | $51.4M | $37.7M | $20.8M | $13.6M | $-27K | -0.11% | 1.39% | 0.02% | 2,026 |
Loan mix (Q2 2026): real estate $14.1M · commercial $0 · consumer $8.6M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 80.6% | 31st |
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: Lake, IN, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $39.2M* | 0.22% | 28th |
Indiana: 199th with 0.02% · Chicago-Naperville-Elgin metro: 193rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1