Newburgh, IN · Charter 16626
NCUA · 21 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
87
Profitability
56
Liquidity
81
Efficiency
24
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.
Newburgh, IN · Charter 16626
NCUA · 21 branches
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 | 0.60% | 0.74% | 0.53% | 0.74% | 0.75% | 0.77% | 0.83% | 0.93% | +19 bps | |
| Return on Equity | 5.17% | 6.36% | 4.67% | 6.35% | 6.31% | 6.43% | 7.04% | 7.53% | +118 bps | |
| Net Interest Margin | 3.03% | 3.02% | 3.04% | 3.21% | 3.25% | 3.27% | 3.30% | 3.44% | +23 bps | |
| Efficiency Ratio | 83.09% | 79.33% | 84.16% | 80.28% | 80.56% | 80.12% | 79.73% | 78.21% | -207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 4.40% | 6.50% | 6.15% | 5.43% | 4.60% | 2.46% | 1.48% | -467 bps | |
| Loan Growth (YoY) | 3.75% | 2.87% | 1.88% | 1.86% | 1.36% | 1.57% | 2.63% | 1.54% | -32 bps | |
| Share Growth (YoY) | 1.76% | 4.18% | 6.04% | 5.73% | 4.79% | 2.87% | 1.27% | 1.91% | -382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.30% | 0.21% | 0.18% | 0.31% | 0.27% | 0.15% | 0.33% | +15 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 | 11.51% | 11.57% | 11.30% | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Net Worth / Assets | 11.51% | 11.57% | 11.30% | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.63% | 86.35% | 81.95% | 84.26% | 84.76% | 85.25% | 83.04% | 83.95% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newburgh, IN · Charter 16626 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.93%
Rank 165 of 435
Net Interest Margin
3.44%
Rank 200 of 435
Efficiency Ratio
78.21%
Rank 333 of 435
Equity / Assets
12.35%
Rank 121 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.55% | 0.81% | 1.14% | Beats 62% | 165 / 435 | ||
| Return on Equity | 7.53% | 5.12% | 7.41% | 9.70% | Beats 51% | 212 / 435 | ||
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 200 / 435 | ||
| Efficiency Ratio | 78.21% | 65.25% | 71.39% | 77.86% | Beats 24% | 333 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.45% | 0.69% | 1.05% | Beats 87% | 58 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.35% | 9.81% | 10.84% | 12.63% | Beats 72% | 121 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.35% | 9.81% | 10.84% | 12.63% | Beats 72% | 121 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.95% | 78.33% | 88.38% | 95.61% | 38th pctl | 271 / 435 | ||
| Loans / Assets | 69.63% | 67.69% | 74.58% | 80.80% | 32nd pctl | 295 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||