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 | |