Clifty Creek Employees
Madison, IN · Charter 12152 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$16.3MAssets
$9.3MLoans
$13.5MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: return on assets trails 96% of credit unions under $1B in assets (rank 1610 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.92%
Rank 1,610 of 1,683
Net Interest Margin
2.84%
Rank 1,523 of 1,683
Efficiency Ratio
97.62%
Rank 1,537 of 1,682
Equity / Assets
16.95%
Rank 392 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.92% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,610 / 1,683 | |
| Return on Equity | -5.44% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,595 / 1,681 | |
| Net Interest Margin | 2.84% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,523 / 1,683 | |
| Efficiency Ratio | 97.62% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,537 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.95% | 10.44% | 12.89% | 16.53% | Beats 77% | 392 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.95% | 10.44% | 12.89% | 16.53% | Beats 77% | 392 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 69.07% | 52.61% | 69.38% | 83.50% | 49th pctl | 850 / 1,683 | |
| Loans / Assets | 57.21% | 44.71% | 59.18% | 70.72% | 46th pctl | 910 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |