Indiana Lakes

Warsaw, IN · 1 · Charter #22704 · www.ilfcu.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
$27.5M
74th percentile
Members
1,749
59th percentile
Total loans
$13.5M
75th percentile
Total shares
$24.2M
76th percentile

Profitability

Return on assets
0.83%
51th percentile
Net interest margin
2.73%
13th percentile
Efficiency ratio
56.96%
72th percentile
Non-interest income ratio
14.92%
68th percentile

Capital & Risk

Net worth ratio
11.65%
27th percentile
Delinquency rate
0.68%
51th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
55.70%
43th percentile

Growth

Member growth YoY
-1.30%
51th percentile
Asset growth YoY
5.16%
74th percentile
Loan growth YoY
1.60%
69th percentile
Share growth YoY
4.64%
73th percentile

Operations

Members / branch
1,749
72th percentile
Assets / member
$15,750
88th percentile
Field of membership penetration
2.50%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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