Members Source

Merrillville, IN · 2 · Charter #68562 · www.ms-cu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$91.7M
39th percentile
Members
6,023
34th percentile
Total loans
$50.0M
40th percentile
Total shares
$78.7M
41th percentile

Profitability

Return on assets
0.78%
33th percentile
Net interest margin
3.45%
38th percentile
Efficiency ratio
67.83%
33th percentile
Non-interest income ratio
16.66%
47th percentile

Capital & Risk

Net worth ratio
13.58%
65th percentile
Delinquency rate
2.70%
5th percentile
Net charge-off rate
0.25%
60th percentile
Loan-to-share
63.51%
42th percentile

Growth

Member growth YoY
-1.86%
35th percentile
Asset growth YoY
-0.51%
18th percentile
Loan growth YoY
-0.67%
38th percentile
Share growth YoY
-1.51%
15th percentile

Operations

Members / branch
2,008
21th percentile
Assets / member
$15,229
57th percentile
Field of membership penetration
65.29%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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