INDIANA LAKES
Charter #22704 · Warsaw, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 13th — a 44-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | INDIANA LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.36M | 57th pct | 13th pct |
| Members | 1,912 | 43th pct | 33th pct |
| Net worth ratio | 11.53% | 32th pct | 48th pct |
| Return on average assets | 0.87% | 62th pct | 67th pct |
| Net interest margin | 3.37% | 29th pct | 43th pct |
| Cost of funds | 1.13% | 63th pct | 54th pct |
| Loan-to-share | 54.45% | 46th pct | 36th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 41th pct |
| Net charge-off ratio | 0.04% | 41th pct | 48th pct |
| Loan growth YoY | 4.95% | 92th pct | 85th pct |
| Share growth YoY | 7.60% | 89th pct | 82th pct |
| Efficiency ratio | 77.80% | 43th pct | 36th pct |
structural peer set hash: 9217ae14c332fb327bd93470d2d92256… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.