Hammond, IN · Charter 1457
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
37
Asset Quality
8
Profitability
32
Liquidity
0
Efficiency
9
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.
Hammond, IN · Charter 1457
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 | 0.22% | 0.20% | 0.25% | 0.35% | 0.34% | 1.42% | -0.01% | 0.10% | -25 bps | |
| Return on Equity | 2.02% | 1.75% | 2.21% | 3.02% | 3.03% | 12.14% | -0.09% | 0.82% | -220 bps | |
| Net Interest Margin | 3.89% | 4.03% | 3.87% | 4.08% | 4.09% | 5.35% | 4.13% | 4.17% | +9 bps | |
| Efficiency Ratio | 95.80% | 90.36% | 95.02% | 92.15% | 91.85% | 76.51% | 100.19% | 98.19% | +603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -8.83% | -5.40% | -4.02% | -0.22% | 0.04% | -0.36% | -0.54% | +348 bps | |
| Loan Growth (YoY) | 10.20% | 13.13% | -0.76% | -8.70% | -10.87% | -10.39% | -13.40% | -12.99% | -428 bps | |
| Share Growth (YoY) | -7.09% | -9.68% | -6.06% | -2.78% | -0.44% | -0.38% | -0.70% | -0.76% | +202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 0.72% | 0.94% | 1.35% | 1.93% | 2.54% | 2.55% | 3.04% | +168 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 | 11.02% | 11.33% | 11.12% | 11.44% | 11.33% | 11.68% | 11.37% | 11.63% | +19 bps | |
| Net Worth / Assets | 11.02% | 11.33% | 11.12% | 11.44% | 11.33% | 11.68% | 11.37% | 11.63% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.70% | 35.56% | 34.13% | 34.06% | 31.96% | 31.99% | 29.77% | 29.86% | -419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hammond, IN · Charter 1457 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.09%
Rank 1,448 of 1,683
Net Interest Margin
4.17%
Rank 538 of 1,683
Efficiency Ratio
98.29%
Rank 1,540 of 1,682
Equity / Assets
11.63%
Rank 1,054 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,448 / 1,683 | ||
| Return on Equity | 0.77% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,446 / 1,681 | ||
| Net Interest Margin | 4.17% | 3.31% | 3.82% | 4.32% | Beats 68% | 538 / 1,683 | ||
| Efficiency Ratio | 98.29% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,540 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.02% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,554 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,054 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,054 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.86% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,599 / 1,683 | ||
| Loans / Assets | 26.31% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,586 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||