PackageTrendsPeer
Letter portraitLegal landscape

Northern Indiana

Merrillville, IN · Charter 168

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northern Indiana

Merrillville, IN · Charter 168

NCUA · 2 branches

Q2 2026

$41.7MAssets
$29.1MLoans
$37.1MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.69%, up 62 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.15% of loans (-35 bps YoY).
  • Capital: net worth / assets of 9.25%, up 43 bps from a year ago.
  • Funding: loans stand at 78.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+4 bps YoY

Efficiency Ratio (YTD, annualized)

86.27%-304 bps YoY

Net Worth / Assets

9.25%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.30%0.77%0.72%0.69%+62 bps
Return on Equity0.84%3.32%8.27%7.89%7.49%+664 bps
Net Interest Margin4.11%4.19%4.33%4.21%4.16%+4 bps
Efficiency Ratio89.31%89.14%85.38%85.82%86.27%-304 bps
Growth
Asset Growth (YoY)0.26%-3.24%0.78%3.88%4.74%+448 bps
Loan Growth (YoY)2.86%1.98%5.20%7.26%5.90%+304 bps
Share Growth (YoY)-1.61%-5.73%-1.31%2.16%4.61%+622 bps
Asset Quality
Delinquent Loans / Loans0.49%0.56%0.48%0.25%0.15%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.82%9.02%9.30%9.12%9.25%+43 bps
Net Worth / Assets8.82%9.02%9.30%9.12%9.25%+43 bps
Liquidity & Funding
Loans / Shares77.48%78.26%80.62%77.15%78.44%+96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northern Indiana

Merrillville, IN · Charter 168 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)

NCUA · 2 branches

Q2 2026

$41.7MAssets
$29.1MLoans
$37.1MShares
$3.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 95).
  • Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 89 of 96).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.69%

Rank 37 of 96

Net Interest Margin

4.16%

Rank 30 of 96

Efficiency Ratio

86.23%

Rank 57 of 96

Equity / Assets

9.25%

Rank 89 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%-0.02%0.42%1.03%Beats 61%37 / 96
Return on Equity7.51%-0.11%2.94%6.89%Beats 79%20 / 95
Net Interest Margin4.16%3.01%3.57%4.27%Beats 69%30 / 96
Efficiency Ratio86.23%73.45%82.91%96.61%Beats 42%57 / 96
Asset Quality
Nonperforming Loans / Loans0.14%0.08%0.86%1.63%Beats 73%26 / 93
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.25%11.79%15.23%18.93%Beats 7%89 / 96
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.25%11.79%15.23%18.93%Beats 7%89 / 96
Liquidity & Funding
Loans / Deposits78.44%32.14%50.03%67.81%85th pctl14 / 96
Loans / Assets69.76%23.12%42.50%56.24%89th pctl11 / 96
Brokered Deposits / Depositsn/aNot reported for this institution