Kokomo, IN · Charter 16213
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
46
Asset Quality
41
Profitability
60
Liquidity
92
Efficiency
36
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.
Kokomo, IN · Charter 16213
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 | 0.78% | 0.23% | 0.59% | 0.59% | 0.53% | 0.39% | 1.11% | 0.96% | +37 bps | |
| Return on Equity | 6.22% | 1.90% | 5.10% | 4.89% | 4.42% | 3.22% | 9.24% | 7.69% | +280 bps | |
| Net Interest Margin | 3.86% | 3.79% | 3.50% | 3.68% | 3.68% | 3.75% | 3.68% | 3.80% | +12 bps | |
| Efficiency Ratio | 78.93% | 85.29% | 86.00% | 84.17% | 85.45% | 86.85% | 79.72% | 82.95% | -123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 6.02% | 4.68% | 2.75% | 3.70% | 1.49% | -0.04% | 0.49% | -227 bps | |
| Loan Growth (YoY) | 0.27% | -2.76% | -4.49% | -4.22% | -1.94% | -2.45% | -1.26% | -3.33% | +89 bps | |
| Share Growth (YoY) | 3.59% | 6.83% | 5.73% | 3.61% | 4.83% | 1.54% | -0.76% | -0.30% | -391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.83% | 0.82% | 1.09% | 1.02% | 0.96% | 0.78% | 0.85% | -24 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 | 12.51% | 11.97% | 11.52% | 11.98% | 12.11% | 12.17% | 12.02% | 12.48% | +50 bps | |
| Net Worth / Assets | 12.51% | 11.97% | 11.52% | 11.98% | 12.11% | 12.17% | 12.02% | 12.48% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.11% | 76.35% | 70.23% | 73.52% | 74.00% | 73.35% | 69.89% | 71.28% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kokomo, IN · Charter 16213 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 623 of 1,683
Net Interest Margin
3.80%
Rank 855 of 1,683
Efficiency Ratio
82.96%
Rank 1,084 of 1,682
Equity / Assets
12.48%
Rank 914 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 623 / 1,683 | ||
| Return on Equity | 7.69% | 2.67% | 5.89% | 8.74% | Beats 67% | 558 / 1,681 | ||
| Net Interest Margin | 3.80% | 3.31% | 3.82% | 4.32% | Beats 49% | 855 / 1,683 | ||
| Efficiency Ratio | 82.96% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,084 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 997 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.48% | 10.44% | 12.89% | 16.53% | Beats 46% | 914 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.48% | 10.44% | 12.89% | 16.53% | Beats 46% | 914 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.28% | 52.61% | 69.38% | 83.50% | 54th pctl | 782 / 1,683 | ||
| Loans / Assets | 61.78% | 44.71% | 59.18% | 70.72% | 56th pctl | 741 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||