Community Spirit Credit Union
Lawrenceburg, IN · Charter 65493 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$21.5MAssets
$10.0MLoans
$19.1MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 31% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 18 of 26).
- Widest gap: efficiency ratio trails 81% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 22 of 26).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.41%
Rank 20 of 26
Net Interest Margin
3.25%
Rank 21 of 26
Efficiency Ratio
89.42%
Rank 22 of 26
Equity / Assets
10.40%
Rank 19 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.41% | 0.79% | 1.34% | Beats 23% | 20 / 26 | | |
| Return on Equity | 3.94% | 3.53% | 6.04% | 8.49% | Beats 31% | 18 / 26 | | |
| Net Interest Margin | 3.25% | 3.25% | 4.11% | 4.64% | Beats 19% | 21 / 26 | | |
| Efficiency Ratio | 89.42% | 71.52% | 75.99% | 84.12% | Beats 19% | 22 / 26 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.40% | 1.09% | 2.09% | Beats 31% | 19 / 26 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.40% | 10.31% | 12.73% | 15.29% | Beats 27% | 19 / 26 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.40% | 10.31% | 12.73% | 15.29% | Beats 27% | 19 / 26 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.28% | 51.92% | 65.22% | 76.21% | 27th pctl | 19 / 26 | | |
| Loans / Assets | 46.59% | 44.32% | 54.77% | 68.75% | 31st pctl | 18 / 26 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |