Linton, IN · Charter 12619
NCUA · 1 branch
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
64
Asset Quality
79
Profitability
46
Liquidity
91
Efficiency
20
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.
Linton, IN · Charter 12619
NCUA · 1 branch
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 | 1.50% | 1.36% | 3.15% | 2.31% | 2.72% | 1.39% | 1.14% | 0.53% | -177 bps | |
| Return on Equity | 11.54% | 10.52% | 22.21% | 16.02% | 18.92% | 9.60% | 7.97% | 3.69% | -1,233 bps | |
| Net Interest Margin | 5.33% | 4.96% | 3.57% | 3.71% | 4.11% | 4.09% | 4.79% | 4.38% | +67 bps | |
| Efficiency Ratio | 71.97% | 72.70% | 11.95% | 38.02% | 33.96% | 66.07% | 76.17% | 87.84% | +4,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | 3.72% | 0.23% | -2.71% | 2.52% | -2.18% | 2.45% | 1.55% | +425 bps | |
| Loan Growth (YoY) | 1.48% | -6.82% | -15.97% | -5.17% | -7.35% | 5.57% | 8.36% | -4.05% | +112 bps | |
| Share Growth (YoY) | -2.65% | 2.63% | -2.45% | -5.29% | 0.89% | -3.97% | 2.29% | 1.46% | +675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.15% | 1.07% | 0.96% | 0.86% | 0.72% | 0.24% | 0.23% | -73 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 | 0.41% | 0.45% | 0.79% | 0.77% | 0.77% | 0.73% | 0.73% | 0.81% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.98% | 12.92% | 14.20% | 14.40% | 14.37% | 14.50% | 14.33% | 14.48% | +7 bps | |
| Net Worth / Assets | 12.98% | 12.92% | 14.20% | 14.40% | 14.37% | 14.50% | 14.33% | 14.48% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.44% | 68.13% | 68.55% | 70.54% | 70.20% | 74.90% | 72.62% | 66.71% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Linton, IN · Charter 12619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.48%
Rank 1,154 of 1,683
Net Interest Margin
4.36%
Rank 398 of 1,683
Efficiency Ratio
88.89%
Rank 1,343 of 1,682
Equity / Assets
14.48%
Rank 604 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,154 / 1,683 | ||
| Return on Equity | 3.35% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,170 / 1,681 | ||
| Net Interest Margin | 4.36% | 3.31% | 3.82% | 4.32% | Beats 76% | 398 / 1,683 | ||
| Efficiency Ratio | 88.89% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,343 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.26% | 0.65% | 1.29% | Beats 79% | 356 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.48% | 10.44% | 12.89% | 16.53% | Beats 64% | 604 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.48% | 10.44% | 12.89% | 16.53% | Beats 64% | 604 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.74% | 52.61% | 69.38% | 83.50% | 45th pctl | 925 / 1,683 | ||
| Loans / Assets | 57.00% | 44.71% | 59.18% | 70.72% | 46th pctl | 916 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||