INDIANA UNIVERSITY

Charter #68577 | IN

1B-3B (304 CUs) Mid-Market (380 CUs)
11 1B-3B in IN

INDIANA UNIVERSITY has 9 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.6% in tier
  • + Wallet Share Momentum: Top 5.3% in tier
  • + Organic Growth Engine: Top 21.3% in tier
  • + Organic Growth Leader: Top 29.1% in tier
  • + ROA 0.28% above tier average
  • + Loan-to-Member Ratio (LMR): Top 4.3% in tier
  • + Average Member Relationship (AMR): Top 5.3% in tier
  • + Deposit Growth Rate: Top 5.6% in tier
  • + Net Charge-Off Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 71,384
+1.5% YoY+0.4% QoQ
 -27.3K 98,678
-1.9% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $1.9B
+9.2% YoY+2.5% QoQ
 +$221.3M $1.7B
+0.5% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $1.5B
+7.5% YoY+1.5% QoQ
 +$220.6M $1.2B
+0.5% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $1.6B
+14.1% YoY+2.7% QoQ
 +$192.8M $1.5B
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 1.0%
+15.8% YoY+0.1% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 24.3% in tier
NIM 2.6%
+10.0% YoY+1.1% QoQ
 -0.6% 3.3%
+9.3% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 Bottom 16.1% in tier
Efficiency Ratio 65.6%
-7.5% YoY-1.7% QoQ
 -8.4% 74.0%
-10.9% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Bottom 18.8% in tier
Delinquency Rate 0.7%
-6.8% YoY-0.6% QoQ
 -0.2 0.8%
+6.1% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 88.3%
-5.8% YoY-1.2% QoQ
 +3.1% 85.2%
-0.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $43,438
+9.3% YoY+1.7% QoQ
 +$14K $29,172
+2.8% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 Top 5.6% in tier
CD Concentration 37.1%
+14.2% YoY+2.8% QoQ
 +8.1% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 Top 16.4% in tier
Indirect Auto % 18.0%
+12.8% YoY-0.4% QoQ
 -0.8% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#34 of 264 • Top 4.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.29%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#39 of 264 • Top 5.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.29%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Organic Growth Engine

growth
#155 of 246 • Top 21.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.99%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 18.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#115 of 138 • Top 29.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#101 of 202 • Bottom 16.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.17%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.00%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 1.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

14
Loan-to-Member Ratio (LMR)
engagement
Value: $20,364
Peer Avg: $13,213
#14 of 304 Top 4.3% in 1B-3B tier
17
Average Member Relationship (AMR)
engagement
Value: $43,438
Peer Avg: $29,172
#17 of 304 Top 5.3% in 1B-3B tier
18
Deposit Growth Rate
growth
Value: 14.14%
Peer Avg: 5.58%
#18 of 304 Top 5.6% in 1B-3B tier
22
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.60%
#22 of 304 Top 6.9% in 1B-3B tier
34
AMR Growth Rate
growth
Value: 9.29%
Peer Avg: 3.29%
#34 of 304 Top 10.9% in 1B-3B tier
53
Asset Growth Rate
growth
Value: 9.17%
Peer Avg: 4.83%
#53 of 304 Top 17.1% in 1B-3B tier
58
Efficiency Ratio
profitability
Value: 65.58%
Peer Avg: 73.97%
#58 of 304 Top 18.8% in 1B-3B tier
74
Return on Assets (ROA)
profitability
Value: 0.99%
Peer Avg: 0.70%
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (2 metrics)

263
Share Certificate Concentration (%)
balance_sheet
Value: 37.06%
Peer Avg: 28.53%
#263 of 304 Bottom 13.8% in 1B-3B tier
255
Net Interest Margin (NIM)
profitability
Value: 2.64%
Peer Avg: 3.26%
#255 of 304 Bottom 16.4% in 1B-3B tier