Independent

Anderson, IN · 1 · Charter #24171 · www.independentfcu.org
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
$89.1M
37th percentile
Members
6,158
36th percentile
Total loans
$56.8M
47th percentile
Total shares
$78.6M
41th percentile

Profitability

Return on assets
2.18%
95th percentile
Net interest margin
4.65%
91th percentile
Efficiency ratio
64.06%
46th percentile
Non-interest income ratio
27.06%
88th percentile

Capital & Risk

Net worth ratio
11.30%
39th percentile
Delinquency rate
4.02%
2th percentile
Net charge-off rate
1.22%
8th percentile
Loan-to-share
72.23%
58th percentile

Growth

Member growth YoY
-4.93%
12th percentile
Asset growth YoY
0.65%
24th percentile
Loan growth YoY
-4.93%
18th percentile
Share growth YoY
-0.13%
22th percentile

Operations

Members / branch
6,158
91th percentile
Assets / member
$14,464
50th percentile
Field of membership penetration
0.81%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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