Aaa
South Bend, IN · Charter 3412 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
$78.7MAssets
$22.0MLoans
$69.5MShares
$9.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 155 of 1657).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets (rank 1336 of 1658).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.92%
Rank 693 of 1,659
Net Interest Margin
3.06%
Rank 1,336 of 1,658
Efficiency Ratio
77.67%
Rank 853 of 1,656
Equity / Assets
11.47%
Rank 1,024 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.35% | 0.78% | 1.25% | Beats 58% | 693 / 1,659 | | |
| Return on Equity | 8.00% | 2.75% | 6.06% | 9.41% | Beats 64% | 593 / 1,657 | | |
| Net Interest Margin | 3.06% | 3.20% | 3.76% | 4.33% | Beats 19% | 1,336 / 1,658 | | |
| Efficiency Ratio | 77.67% | 67.69% | 77.34% | 85.79% | Beats 49% | 853 / 1,656 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.24% | 0.65% | 1.35% | Beats 91% | 155 / 1,657 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.47% | 10.20% | 12.57% | 16.16% | Beats 38% | 1,025 / 1,659 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.47% | 10.20% | 12.57% | 16.15% | Beats 38% | 1,024 / 1,658 | | |
| Liquidity & Funding |
| Loans / Deposits | 31.68% | 54.91% | 71.55% | 84.72% | 5th pctl | 1,573 / 1,658 | | |
| Loans / Assets | 28.00% | 46.17% | 60.56% | 71.91% | 6th pctl | 1,563 / 1,658 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |