Northern Indiana

Merrillville, IN · 1 · Charter #168 · www.nifedcu.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
$40.0M
90th percentile
Members
5,597
99th percentile
Total loans
$28.5M
97th percentile
Total shares
$32.4M
88th percentile

Profitability

Return on assets
0.75%
47th percentile
Net interest margin
4.33%
63th percentile
Efficiency ratio
79.47%
24th percentile
Non-interest income ratio
16.51%
74th percentile

Capital & Risk

Net worth ratio
9.30%
12th percentile
Delinquency rate
0.48%
58th percentile
Net charge-off rate
-0.07%
95th percentile
Loan-to-share
88.07%
86th percentile

Growth

Member growth YoY
-0.82%
57th percentile
Asset growth YoY
0.78%
48th percentile
Loan growth YoY
5.20%
79th percentile
Share growth YoY
-4.77%
21th percentile

Operations

Members / branch
1,866
75th percentile
Assets / member
$7,142
32th percentile
Field of membership penetration
55.97%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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