First Trust
Michigan City, IN · Charter 68596 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
$191.6MAssets
$53.2MLoans
$165.4MShares
$25.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 13 of 96).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 77 of 93).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.30%
Rank 17 of 96
Net Interest Margin
3.32%
Rank 60 of 96
Efficiency Ratio
61.71%
Rank 13 of 96
Equity / Assets
13.44%
Rank 67 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | -0.02% | 0.42% | 1.03% | Beats 82% | 17 / 96 | | |
| Return on Equity | 9.68% | -0.11% | 2.94% | 6.89% | Beats 85% | 14 / 95 | | |
| Net Interest Margin | 3.32% | 3.01% | 3.57% | 4.27% | Beats 38% | 60 / 96 | | |
| Efficiency Ratio | 61.71% | 73.45% | 82.91% | 96.61% | Beats 87% | 13 / 96 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.08% | 0.08% | 0.86% | 1.63% | Beats 18% | 77 / 93 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.44% | 11.79% | 15.23% | 18.93% | Beats 30% | 67 / 96 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.44% | 11.79% | 15.23% | 18.93% | Beats 30% | 67 / 96 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.14% | 32.14% | 50.03% | 67.81% | 25th pctl | 72 / 96 | | |
| Loans / Assets | 27.74% | 23.12% | 42.50% | 56.24% | 30th pctl | 67 / 96 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |