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Mt Zion Indianapolis

Indianapolis, IN · Charter 15757

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mt Zion Indianapolis

Indianapolis, IN · Charter 15757

NCUA · 1 branch

Q2 2026

$1.4MAssets
$398KLoans
$733KShares
$551KNet Worth

Executive Summary

  • Earnings: ROA of 1.73%, up 91 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (-20 bps YoY).
  • Capital: net worth / assets of 38.27%, up 659 bps from a year ago.
  • Funding: loans stand at 54.30% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.73%+91 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+39 bps YoY

Efficiency Ratio (YTD, annualized)

81.57%-882 bps YoY

Net Worth / Assets

38.27%+659 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.17%0.80%0.83%1.04%0.88%2.07%1.73%+91 bps
Return on Equity2.97%3.09%2.13%2.61%2.67%2.27%5.48%4.52%+192 bps
Net Interest Margin4.80%4.67%4.62%3.80%4.35%3.83%4.01%4.19%+39 bps
Efficiency Ratio70.94%70.22%92.16%90.39%88.88%84.97%77.27%81.57%-882 bps
Growth
Asset Growth (YoY)-3.65%-5.57%-3.70%19.39%10.45%24.44%26.86%5.62%-1,377 bps
Loan Growth (YoY)48.09%23.00%-11.10%-13.39%-19.52%-10.64%2.44%9.07%+2,246 bps
Share Growth (YoY)-4.37%0.45%2.34%18.09%1.60%-2.58%1.28%-7.76%-2,585 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.20%11.47%0.00%0.51%0.00%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital37.37%37.96%37.64%31.68%38.95%38.54%37.80%38.27%+659 bps
Net Worth / Assets37.37%37.96%37.64%31.68%38.95%38.54%37.80%38.27%+659 bps
Liquidity & Funding
Loans / Shares70.59%61.59%55.34%45.92%55.91%56.49%55.98%54.30%+838 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mt Zion Indianapolis

Indianapolis, IN · Charter 15757 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)

NCUA · 1 branch

Q2 2026

$1.4MAssets
$398KLoans
$733KShares
$551KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 3 of 17).
  • Widest gap: net interest margin trails 65% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 11 of 17).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.67%

Rank 2 of 17

Net Interest Margin

4.17%

Rank 11 of 17

Efficiency Ratio

82.19%

Rank 9 of 17

Equity / Assets

38.29%

Rank 1 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.67%0.19%0.64%1.29%Beats 88%2 / 17
Return on Equity4.36%1.18%4.37%6.83%Beats 41%10 / 17
Net Interest Margin4.17%3.90%4.45%5.14%Beats 35%11 / 17
Efficiency Ratio82.19%70.94%82.19%89.67%Beats 53%9 / 17
Asset Quality
Nonperforming Loans / Loans0.00%0.25%0.67%1.07%Beats 100%3 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio38.29%11.07%13.23%17.96%Beats 94%1 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets38.29%11.07%13.23%17.96%Beats 94%1 / 17
Liquidity & Funding
Loans / Deposits54.30%50.73%68.00%82.61%35th pctl11 / 17
Loans / Assets27.66%39.57%58.53%70.18%0th pctl17 / 17
Brokered Deposits / Depositsn/aNot reported for this institution