Evansville, IN · Charter 1263
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
44
Asset Quality
100
Profitability
31
Liquidity
64
Efficiency
38
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 1263
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 | 0.21% | 0.16% | -0.21% | 0.09% | 0.16% | 0.33% | -0.04% | 0.63% | +54 bps | |
| Return on Equity | 1.68% | 1.27% | -1.88% | 0.77% | 1.40% | 2.84% | -0.31% | 5.10% | +433 bps | |
| Net Interest Margin | 1.93% | 2.02% | 2.03% | 2.22% | 2.27% | 2.42% | 2.42% | 2.75% | +53 bps | |
| Efficiency Ratio | 96.07% | 94.93% | 99.44% | 88.58% | 87.97% | 87.51% | 87.99% | 82.06% | -652 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.04% | 4.71% | 7.23% | 8.04% | 9.50% | 8.69% | -0.82% | -3.56% | -1,159 bps | |
| Loan Growth (YoY) | 3.43% | 3.58% | -1.38% | 1.54% | -3.89% | -1.82% | 0.38% | -0.52% | -206 bps | |
| Share Growth (YoY) | 11.16% | 5.77% | 8.04% | 9.35% | 10.39% | 9.38% | -1.36% | -4.73% | -1,408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0 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 | 12.35% | 12.24% | 11.34% | 11.38% | 11.52% | 11.62% | 11.87% | 12.39% | +100 bps | |
| Net Worth / Assets | 12.35% | 12.24% | 11.34% | 11.38% | 11.52% | 11.62% | 11.87% | 12.39% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.10% | 63.55% | 56.20% | 55.89% | 56.68% | 57.04% | 57.19% | 58.36% | +247 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 1263 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.63%
Rank 972 of 1,683
Net Interest Margin
2.75%
Rank 1,557 of 1,683
Efficiency Ratio
82.06%
Rank 1,038 of 1,682
Equity / Assets
12.39%
Rank 939 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 972 / 1,683 | ||
| Return on Equity | 5.12% | 2.67% | 5.89% | 8.74% | Beats 44% | 948 / 1,681 | ||
| Net Interest Margin | 2.75% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,557 / 1,683 | ||
| Efficiency Ratio | 82.06% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,038 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 939 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 939 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.36% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,132 / 1,683 | ||
| Loans / Assets | 51.03% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,086 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||