Members Source
Merrillville, IN · Charter 68562 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 3 branches
Q2 2026
$92.0MAssets
$49.8MLoans
$78.9MShares
$12.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 69% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 95).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 72 of 93).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.84%
Rank 31 of 96
Net Interest Margin
3.71%
Rank 44 of 96
Efficiency Ratio
78.49%
Rank 44 of 96
Equity / Assets
13.96%
Rank 59 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | -0.02% | 0.42% | 1.03% | Beats 68% | 31 / 96 | |
| Return on Equity | 6.01% | -0.11% | 2.94% | 6.89% | Beats 69% | 29 / 95 | |
| Net Interest Margin | 3.71% | 3.01% | 3.57% | 4.27% | Beats 54% | 44 / 96 | |
| Efficiency Ratio | 78.49% | 73.45% | 82.91% | 96.61% | Beats 55% | 44 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.83% | 0.08% | 0.86% | 1.63% | Beats 24% | 72 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 11.79% | 15.23% | 18.93% | Beats 39% | 59 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.96% | 11.79% | 15.23% | 18.93% | Beats 39% | 59 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 63.18% | 32.14% | 50.03% | 67.81% | 73rd pctl | 26 / 96 | |
| Loans / Assets | 54.15% | 23.12% | 42.50% | 56.24% | 73rd pctl | 26 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |