Howard County School Em
Kokomo, IN · Charter 16065 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$31.4MAssets
$7.7MLoans
$25.6MShares
$5.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets (rank 327 of 1683).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1674 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.24%
Rank 1,355 of 1,683
Net Interest Margin
1.46%
Rank 1,674 of 1,683
Efficiency Ratio
79.31%
Rank 902 of 1,682
Equity / Assets
18.07%
Rank 327 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,355 / 1,683 | |
| Return on Equity | 1.34% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,399 / 1,681 | |
| Net Interest Margin | 1.46% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,674 / 1,683 | |
| Efficiency Ratio | 79.31% | 68.91% | 78.20% | 86.93% | Beats 46% | 902 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,327 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.07% | 10.44% | 12.89% | 16.53% | Beats 81% | 327 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.07% | 10.44% | 12.89% | 16.53% | Beats 81% | 327 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 30.15% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,597 / 1,683 | |
| Loans / Assets | 24.63% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,597 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |