Richmond, IN · Charter 14449
NCUA · 2 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
62
Asset Quality
100
Profitability
53
Liquidity
9
Efficiency
40
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.
Richmond, IN · Charter 14449
NCUA · 2 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 | 1.99% | 1.90% | 1.66% | 1.56% | 1.62% | 1.34% | 0.54% | 0.82% | -75 bps | |
| Return on Equity | 16.00% | 15.25% | 12.62% | 11.29% | 11.09% | 9.36% | 3.76% | 5.73% | -556 bps | |
| Net Interest Margin | 4.79% | 4.63% | 4.50% | 4.51% | 4.60% | 4.41% | 3.98% | 3.91% | -60 bps | |
| Efficiency Ratio | 57.99% | 59.50% | 58.57% | 63.87% | 68.65% | 72.77% | 87.80% | 81.37% | +1,751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | 0.60% | 0.62% | -1.18% | -3.26% | -3.05% | -2.19% | 3.54% | +471 bps | |
| Loan Growth (YoY) | -7.88% | -7.98% | -4.33% | 2.55% | 1.80% | 3.32% | -0.35% | -1.40% | -395 bps | |
| Share Growth (YoY) | -7.98% | -2.20% | -1.86% | -3.80% | -5.15% | -5.08% | -3.49% | 3.04% | +684 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.08% | 0.07% | 0.00% | 0.00% | 0.19% | 0.00% | 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 | 12.41% | 12.47% | 13.12% | 13.85% | 14.61% | 14.33% | 14.44% | 14.28% | +43 bps | |
| Net Worth / Assets | 12.41% | 12.47% | 13.12% | 13.85% | 14.61% | 14.33% | 14.44% | 14.28% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.56% | 39.99% | 41.33% | 43.45% | 44.60% | 43.53% | 42.67% | 41.57% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richmond, IN · Charter 14449 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.82%
Rank 765 of 1,683
Net Interest Margin
3.90%
Rank 761 of 1,683
Efficiency Ratio
81.42%
Rank 1,003 of 1,682
Equity / Assets
14.28%
Rank 632 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 765 / 1,683 | ||
| Return on Equity | 5.72% | 2.67% | 5.89% | 8.74% | Beats 48% | 871 / 1,681 | ||
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 761 / 1,683 | ||
| Efficiency Ratio | 81.42% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,003 / 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 | 14.28% | 10.44% | 12.89% | 16.53% | Beats 62% | 632 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.28% | 10.44% | 12.89% | 16.53% | Beats 62% | 632 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.57% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,473 / 1,683 | ||
| Loans / Assets | 35.44% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,459 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||