Indiana Heartland

KOKOMO, IN · 1 · Charter #24108 · www.indianaheartland.org
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
$49.1M
99th percentile
Members
5,153
98th percentile
Total loans
$35.3M
99th percentile
Total shares
$41.6M
99th percentile

Profitability

Return on assets
1.99%
91th percentile
Net interest margin
3.42%
31th percentile
Efficiency ratio
48.34%
85th percentile
Non-interest income ratio
30.92%
94th percentile

Capital & Risk

Net worth ratio
10.87%
22th percentile
Delinquency rate
2.73%
17th percentile
Net charge-off rate
0.41%
37th percentile
Loan-to-share
85.05%
83th percentile

Growth

Member growth YoY
5.66%
94th percentile
Asset growth YoY
19.91%
98th percentile
Loan growth YoY
5.36%
80th percentile
Share growth YoY
21.45%
98th percentile

Operations

Members / branch
5,153
99th percentile
Assets / member
$9,530
53th percentile
Field of membership penetration
60.62%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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