Grand Heritage

LAPORTE, IN · 1 · Charter #10666 · www.ghfcu.com
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
$20.4M
63th percentile
Members
2,041
67th percentile
Total loans
$9.6M
64th percentile
Total shares
$19.1M
66th percentile

Profitability

Return on assets
0.63%
42th percentile
Net interest margin
3.72%
40th percentile
Efficiency ratio
85.92%
16th percentile
Non-interest income ratio
32.69%
95th percentile

Capital & Risk

Net worth ratio
9.83%
14th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.24%
48th percentile
Loan-to-share
50.07%
35th percentile

Growth

Member growth YoY
-5.77%
14th percentile
Asset growth YoY
-5.23%
16th percentile
Loan growth YoY
-26.01%
3th percentile
Share growth YoY
-2.46%
32th percentile

Operations

Members / branch
510
23th percentile
Assets / member
$10,004
55th percentile
Field of membership penetration
1.86%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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