Business and Industrial
Columbus, IN · Charter 13940 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$44.9MAssets
$17.8MLoans
$36.7MShares
$8.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 80% of credit unions under $1B in assets (rank 330 of 1683).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets (rank 1039 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.11%
Rank 490 of 1,683
Net Interest Margin
3.60%
Rank 1,039 of 1,683
Efficiency Ratio
74.37%
Rank 652 of 1,682
Equity / Assets
18.04%
Rank 330 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 490 / 1,683 | |
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 792 / 1,681 | |
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,039 / 1,683 | |
| Efficiency Ratio | 74.37% | 68.91% | 78.20% | 86.93% | Beats 61% | 652 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 391 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 330 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 330 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.56% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,347 / 1,683 | |
| Loans / Assets | 39.70% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,368 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |