Wayne County
Richmond, IN · Charter 14449 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$13.5MAssets
$4.8MLoans
$11.5MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: efficiency ratio trails 60% of credit unions under $1B in assets (rank 1003 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.82%
Rank 765 of 1,683
Net Interest Margin
3.90%
Rank 761 of 1,683
Efficiency Ratio
81.42%
Rank 1,003 of 1,682
Equity / Assets
14.28%
Rank 632 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 765 / 1,683 | | |
| Return on Equity | 5.72% | 2.67% | 5.89% | 8.74% | Beats 48% | 871 / 1,681 | | |
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 761 / 1,683 | | |
| Efficiency Ratio | 81.42% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,003 / 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 | 14.28% | 10.44% | 12.89% | 16.53% | Beats 62% | 632 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.28% | 10.44% | 12.89% | 16.53% | Beats 62% | 632 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.57% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,473 / 1,683 | | |
| Loans / Assets | 35.44% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,459 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |