H a L E

Indianapolis, IN · 1 · Charter #10778
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$416.6K
3th percentile
Members
192
6th percentile
Total loans
$178.7K
5th percentile
Total shares
$325.4K
4th percentile

Profitability

Return on assets
1.57%
81th percentile
Net interest margin
3.64%
37th percentile
Efficiency ratio
144.77%
2th percentile
Non-interest income ratio
39.41%
96th percentile

Capital & Risk

Net worth ratio
21.88%
80th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-1.90%
100th percentile
Loan-to-share
54.93%
42th percentile

Growth

Member growth YoY
-31.43%
1th percentile
Asset growth YoY
-11.09%
4th percentile
Loan growth YoY
-36.47%
1th percentile
Share growth YoY
-15.23%
3th percentile

Operations

Members / branch
96
2th percentile
Assets / member
$2,170
4th percentile
Field of membership penetration
19.20%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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