Hometown
Peru, IN · Charter 1621 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$37.2MAssets
$26.0MLoans
$24.7MShares
$12.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets (rank 5 of 1683).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets (rank 1385 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
3.54%
Rank 5 of 1,683
Net Interest Margin
6.36%
Rank 26 of 1,683
Efficiency Ratio
53.62%
Rank 96 of 1,682
Equity / Assets
33.28%
Rank 33 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.54% | 0.35% | 0.74% | 1.18% | Beats 100% | 5 / 1,683 | | |
| Return on Equity | 10.65% | 2.67% | 5.89% | 8.74% | Beats 86% | 230 / 1,681 | | |
| Net Interest Margin | 6.36% | 3.31% | 3.82% | 4.32% | Beats 98% | 26 / 1,683 | | |
| Efficiency Ratio | 53.62% | 68.91% | 78.20% | 86.93% | Beats 94% | 96 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,385 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 33.28% | 10.44% | 12.89% | 16.53% | Beats 98% | 33 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 33.28% | 10.44% | 12.89% | 16.53% | Beats 98% | 33 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.10% | 52.61% | 69.38% | 83.50% | 98th pctl | 32 / 1,683 | | |
| Loans / Assets | 69.94% | 44.71% | 59.18% | 70.72% | 73rd pctl | 447 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |