Evansville, IN · Charter 11273
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
41
Profitability
34
Liquidity
76
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Evansville, IN · Charter 11273
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.45% | 0.33% | 0.37% | 0.43% | 0.42% | 0.49% | 0.46% | +9 bps | |
| Return on Equity | 4.01% | 4.26% | 3.22% | 3.63% | 4.10% | 3.98% | 4.74% | 4.39% | +75 bps | |
| Net Interest Margin | 3.16% | 3.26% | 3.29% | 3.41% | 3.53% | 3.52% | 3.44% | 3.49% | +9 bps | |
| Efficiency Ratio | 82.66% | 81.30% | 81.04% | 78.89% | 77.57% | 77.25% | 79.63% | 78.37% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.70% | 4.32% | 6.48% | 7.15% | 4.23% | 6.20% | 3.02% | 2.00% | -515 bps | |
| Loan Growth (YoY) | 3.39% | 4.36% | 3.63% | 3.73% | 2.60% | 0.21% | 0.80% | -1.91% | -564 bps | |
| Share Growth (YoY) | 5.59% | 4.51% | 6.39% | 7.69% | 4.10% | 6.58% | 2.72% | 1.91% | -578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.49% | 0.59% | 0.63% | 0.87% | 1.07% | 0.74% | 0.86% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.47% | 10.66% | 10.16% | 10.25% | 10.50% | 10.45% | 10.31% | 10.50% | +26 bps | |
| Net Worth / Assets | 10.47% | 10.66% | 10.16% | 10.25% | 10.50% | 10.45% | 10.31% | 10.50% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.08% | 81.27% | 76.72% | 77.85% | 78.92% | 76.42% | 75.29% | 74.93% | -292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Evansville, IN · Charter 11273 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.46%
Rank 1,176 of 1,683
Net Interest Margin
3.49%
Rank 1,129 of 1,683
Efficiency Ratio
78.35%
Rank 851 of 1,682
Equity / Assets
10.50%
Rank 1,252 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,176 / 1,683 | ||
| Return on Equity | 4.38% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,037 / 1,681 | ||
| Net Interest Margin | 3.49% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,129 / 1,683 | ||
| Efficiency Ratio | 78.35% | 68.91% | 78.20% | 86.93% | Beats 49% | 851 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 41% | 998 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.50% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,252 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.50% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,252 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.93% | 52.61% | 69.38% | 83.50% | 60th pctl | 676 / 1,683 | ||
| Loans / Assets | 66.73% | 44.71% | 59.18% | 70.72% | 66th pctl | 574 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||