Evansville, IN · Charter 14135
NCUA · 6 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
50
Asset Quality
47
Profitability
50
Liquidity
11
Efficiency
42
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 14135
NCUA · 6 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 | 0.45% | 0.44% | 0.60% | 0.59% | 0.79% | 0.88% | 1.21% | 0.83% | +24 bps | |
| Return on Equity | 3.68% | 3.49% | 4.88% | 4.68% | 6.11% | 6.77% | 9.46% | 6.44% | +176 bps | |
| Net Interest Margin | 3.74% | 3.88% | 4.06% | 3.93% | 4.08% | 4.04% | 3.87% | 3.63% | -29 bps | |
| Efficiency Ratio | 80.62% | 79.75% | 81.10% | 82.01% | 80.95% | 79.55% | 77.50% | 80.94% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 2.74% | 1.46% | 1.47% | 0.43% | 3.68% | 4.20% | 5.08% | +361 bps | |
| Loan Growth (YoY) | -12.45% | -13.08% | -11.93% | -10.27% | -6.49% | -4.58% | -5.03% | -4.52% | +575 bps | |
| Share Growth (YoY) | 3.86% | 2.62% | 1.16% | 1.13% | -0.34% | 3.09% | 3.10% | 4.53% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.95% | 0.74% | 0.87% | 0.70% | 0.82% | 0.86% | 0.72% | -15 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 | 12.34% | 12.62% | 12.32% | 12.58% | 12.94% | 13.02% | 12.79% | 12.93% | +35 bps | |
| Net Worth / Assets | 12.34% | 12.62% | 12.32% | 12.58% | 12.94% | 13.02% | 12.79% | 12.93% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.11% | 48.94% | 45.65% | 46.09% | 47.02% | 45.30% | 42.05% | 42.10% | -399 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 14135 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.83%
Rank 753 of 1,683
Net Interest Margin
3.64%
Rank 1,006 of 1,683
Efficiency Ratio
80.94%
Rank 974 of 1,682
Equity / Assets
12.93%
Rank 836 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.35% | 0.74% | 1.18% | Beats 55% | 753 / 1,683 | ||
| Return on Equity | 6.44% | 2.67% | 5.89% | 8.74% | Beats 55% | 751 / 1,681 | ||
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,006 / 1,683 | ||
| Efficiency Ratio | 80.94% | 68.91% | 78.20% | 86.93% | Beats 42% | 974 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 895 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 10.44% | 12.89% | 16.53% | Beats 50% | 836 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.93% | 10.44% | 12.89% | 16.53% | Beats 50% | 836 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.10% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,464 / 1,683 | ||
| Loans / Assets | 36.44% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,436 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||