Indianapolis, IN · Charter 82770
NCUA
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
54
Profitability
9
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Indianapolis, IN · Charter 82770
NCUA
Q1 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.14% | -0.21% | -0.36% | -0.39% | -0.41% | -0.71% | -0.15% | +21 bps | |
| Return on Equity | -0.71% | -0.62% | -0.95% | -1.55% | -1.59% | -1.67% | -2.91% | -0.63% | +92 bps | |
| Net Interest Margin | 1.78% | 1.82% | 1.82% | 1.59% | 1.68% | 1.76% | 1.79% | 1.81% | +23 bps | |
| Efficiency Ratio | 108.06% | 107.04% | 111.05% | 116.16% | 118.59% | 113.91% | 114.03% | 107.68% | -849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.73% | -10.79% | -9.91% | -11.25% | -12.27% | -11.96% | -10.74% | -5.75% | +550 bps | |
| Loan Growth (YoY) | 5.77% | 6.85% | 0.75% | 1.26% | -0.74% | -2.96% | -2.96% | -5.12% | -639 bps | |
| Share Growth (YoY) | -10.20% | -15.04% | -17.96% | -18.89% | -19.26% | -17.73% | -14.05% | -13.58% | +531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.32% | 0.38% | 0.54% | 0.85% | 0.31% | 0.48% | 0.52% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.57% | 22.00% | 22.48% | 23.31% | 24.24% | 24.56% | 24.47% | 24.08% | +78 bps | |
| Net Worth / Assets | 21.57% | 22.00% | 22.48% | 23.31% | 24.24% | 24.56% | 24.47% | 24.08% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.33% | 27.98% | 29.86% | 31.07% | 32.37% | 33.01% | 33.72% | 34.12% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Indianapolis, IN · Charter 82770 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA
Q1 2025
Return on Assets
-0.16%
Rank 1,474 of 1,678
Net Interest Margin
1.81%
Rank 1,645 of 1,677
Efficiency Ratio
107.89%
Rank 1,583 of 1,675
Equity / Assets
24.09%
Rank 111 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.16% | 0.24% | 0.67% | 1.21% | Beats 12% | 1,474 / 1,678 | ||
| Return on Equity | -0.65% | 1.96% | 5.37% | 8.99% | Beats 13% | 1,456 / 1,675 | ||
| Net Interest Margin | 1.81% | 3.12% | 3.67% | 4.25% | Beats 2% | 1,645 / 1,677 | ||
| Efficiency Ratio | 107.89% | 68.92% | 78.89% | 88.44% | Beats 6% | 1,583 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.21% | 0.58% | 1.19% | Beats 54% | 769 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.08% | 10.02% | 12.33% | 15.89% | Beats 93% | 112 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.09% | 10.02% | 12.33% | 15.89% | Beats 93% | 111 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.12% | 54.28% | 70.33% | 83.29% | 6th pctl | 1,573 / 1,677 | ||
| Loans / Assets | 22.90% | 46.21% | 59.98% | 70.96% | 4th pctl | 1,615 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||