Indianapolis Post Office
Indianapolis, IN · Charter 82770 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA
Q1 2025
$46.3MAssets
$10.6MLoans
$31.1MShares
$11.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets (rank 112 of 1678).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets (rank 1645 of 1677).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |