Peru, IN · Charter 1621
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
98
Asset Quality
18
Profitability
95
Liquidity
0
Efficiency
94
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.
Peru, IN · Charter 1621
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.04% | 4.07% | 3.94% | 3.49% | 3.54% | -49 bps | |
| Return on Equity | 13.15% | 12.72% | 12.24% | 10.87% | 10.65% | -250 bps | |
| Net Interest Margin | 6.70% | 6.81% | 6.64% | 6.25% | 6.36% | -33 bps | |
| Efficiency Ratio | 48.66% | 47.74% | 48.25% | 53.47% | 53.64% | +497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.28% | -4.15% | -2.10% | 3.51% | 3.79% | +607 bps | |
| Loan Growth (YoY) | 2.19% | 0.33% | 1.31% | -0.11% | -0.21% | -240 bps | |
| Share Growth (YoY) | -8.11% | -10.88% | -8.31% | -0.42% | 0.00% | +812 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 1.10% | 2.06% | 1.99% | 1.68% | +66 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.72% | 31.98% | 32.22% | 32.10% | 33.28% | +256 bps | |
| Net Worth / Assets | 30.72% | 31.98% | 32.22% | 32.10% | 33.28% | +256 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.32% | 107.27% | 105.09% | 100.67% | 105.10% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peru, IN · Charter 1621 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
3.54%
Rank 5 of 1,683
Net Interest Margin
6.36%
Rank 26 of 1,683
Efficiency Ratio
53.62%
Rank 96 of 1,682
Equity / Assets
33.28%
Rank 33 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.54% | 0.35% | 0.74% | 1.18% | Beats 100% | 5 / 1,683 | |
| Return on Equity | 10.65% | 2.67% | 5.89% | 8.74% | Beats 86% | 230 / 1,681 | |
| Net Interest Margin | 6.36% | 3.31% | 3.82% | 4.32% | Beats 98% | 26 / 1,683 | |
| Efficiency Ratio | 53.62% | 68.91% | 78.20% | 86.93% | Beats 94% | 96 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.68% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,385 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 33.28% | 10.44% | 12.89% | 16.53% | Beats 98% | 33 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 33.28% | 10.44% | 12.89% | 16.53% | Beats 98% | 33 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.10% | 52.61% | 69.38% | 83.50% | 98th pctl | 32 / 1,683 | |
| Loans / Assets | 69.94% | 44.71% | 59.18% | 70.72% | 73rd pctl | 447 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||