Northern Indiana
Merrillville, IN · Charter 168 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
$41.7MAssets
$29.1MLoans
$37.1MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 95).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 89 of 96).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.69%
Rank 37 of 96
Net Interest Margin
4.16%
Rank 30 of 96
Efficiency Ratio
86.23%
Rank 57 of 96
Equity / Assets
9.25%
Rank 89 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | -0.02% | 0.42% | 1.03% | Beats 61% | 37 / 96 | |
| Return on Equity | 7.51% | -0.11% | 2.94% | 6.89% | Beats 79% | 20 / 95 | |
| Net Interest Margin | 4.16% | 3.01% | 3.57% | 4.27% | Beats 69% | 30 / 96 | |
| Efficiency Ratio | 86.23% | 73.45% | 82.91% | 96.61% | Beats 42% | 57 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.86% | 1.63% | Beats 73% | 26 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.25% | 11.79% | 15.23% | 18.93% | Beats 7% | 89 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.25% | 11.79% | 15.23% | 18.93% | Beats 7% | 89 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 78.44% | 32.14% | 50.03% | 67.81% | 85th pctl | 14 / 96 | |
| Loans / Assets | 69.76% | 23.12% | 42.50% | 56.24% | 89th pctl | 11 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |