Financial Builders
Kokomo, IN · Charter 16213 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$151.5MAssets
$93.6MLoans
$131.3MShares
$18.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 67% of credit unions under $1B in assets (rank 558 of 1681).
- Widest gap: efficiency ratio trails 64% of credit unions under $1B in assets (rank 1084 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.96%
Rank 623 of 1,683
Net Interest Margin
3.80%
Rank 855 of 1,683
Efficiency Ratio
82.96%
Rank 1,084 of 1,682
Equity / Assets
12.48%
Rank 914 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 623 / 1,683 | | |
| Return on Equity | 7.69% | 2.67% | 5.89% | 8.74% | Beats 67% | 558 / 1,681 | | |
| Net Interest Margin | 3.80% | 3.31% | 3.82% | 4.32% | Beats 49% | 855 / 1,683 | | |
| Efficiency Ratio | 82.96% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,084 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 997 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 10.44% | 12.89% | 16.53% | Beats 46% | 914 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.48% | 10.44% | 12.89% | 16.53% | Beats 46% | 914 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.28% | 52.61% | 69.38% | 83.50% | 54th pctl | 782 / 1,683 | | |
| Loans / Assets | 61.78% | 44.71% | 59.18% | 70.72% | 56th pctl | 741 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |