Indiana Lakes
Warsaw, IN · Charter 22704 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
$28.4MAssets
$13.6MLoans
$25.0MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 407 of 1675).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets (rank 1216 of 1676).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.86%
Rank 686 of 1,677
Net Interest Margin
3.33%
Rank 1,216 of 1,676
Efficiency Ratio
77.82%
Rank 791 of 1,674
Equity / Assets
11.53%
Rank 1,039 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.29% | 0.71% | 1.15% | Beats 59% | 686 / 1,677 | | |
| Return on Equity | 7.46% | 2.30% | 5.46% | 8.75% | Beats 65% | 583 / 1,674 | | |
| Net Interest Margin | 3.33% | 3.27% | 3.78% | 4.29% | Beats 27% | 1,216 / 1,676 | | |
| Efficiency Ratio | 77.82% | 69.04% | 78.86% | 87.73% | Beats 53% | 791 / 1,674 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.23% | 0.59% | 1.15% | Beats 76% | 407 / 1,675 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.53% | 10.32% | 12.68% | 16.26% | Beats 38% | 1,040 / 1,677 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.53% | 10.32% | 12.68% | 16.26% | Beats 38% | 1,039 / 1,676 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.45% | 52.64% | 68.65% | 82.42% | 28th pctl | 1,211 / 1,676 | | |
| Loans / Assets | 48.03% | 44.39% | 58.63% | 70.08% | 31st pctl | 1,162 / 1,676 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |