Thrive
Muncie, IN · Charter 3631 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$110.0MAssets
$75.0MLoans
$96.2MShares
$13.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 55% of credit unions under $1B in assets (rank 760 of 1681).
- Widest gap: nonperforming loans / loans trails 70% of credit unions under $1B in assets (rank 1173 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.77%
Rank 814 of 1,683
Net Interest Margin
3.81%
Rank 851 of 1,683
Efficiency Ratio
82.41%
Rank 1,054 of 1,682
Equity / Assets
12.00%
Rank 997 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 814 / 1,683 | |
| Return on Equity | 6.38% | 2.67% | 5.89% | 8.74% | Beats 55% | 760 / 1,681 | |
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 49% | 851 / 1,683 | |
| Efficiency Ratio | 82.41% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,054 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,173 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 997 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 997 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.94% | 52.61% | 69.38% | 83.50% | 66th pctl | 576 / 1,683 | |
| Loans / Assets | 68.15% | 44.71% | 59.18% | 70.72% | 69th pctl | 517 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |