South Bend, IN · Charter 18393
NCUA · 3 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 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
74
Asset Quality
73
Profitability
54
Liquidity
1
Efficiency
88
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.
South Bend, IN · Charter 18393
NCUA · 3 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 | 1.05% | 1.09% | 1.16% | 1.24% | 1.57% | 1.48% | 1.29% | 1.34% | +10 bps | |
| Return on Equity | 6.61% | 6.78% | 7.35% | 7.74% | 9.53% | 9.02% | 7.98% | 8.19% | +45 bps | |
| Net Interest Margin | 2.48% | 2.49% | 2.63% | 2.67% | 2.71% | 2.68% | 2.75% | 2.81% | +14 bps | |
| Efficiency Ratio | 67.43% | 66.30% | 64.62% | 62.67% | 57.36% | 58.45% | 62.44% | 61.20% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.67% | 4.85% | 5.66% | 5.97% | 5.66% | 7.42% | 7.48% | 7.75% | +178 bps | |
| Loan Growth (YoY) | -3.19% | -4.82% | -6.37% | -7.96% | -4.86% | -4.22% | -2.12% | 4.29% | +1,225 bps | |
| Share Growth (YoY) | 2.89% | 4.48% | 5.40% | 5.74% | 4.85% | 6.83% | 6.60% | 6.96% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.36% | 0.16% | 0.17% | 0.22% | 0.20% | 0.30% | 0.29% | +12 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 | 15.91% | 16.03% | 15.78% | 16.05% | 16.50% | 16.37% | 16.14% | 16.39% | +33 bps | |
| Net Worth / Assets | 15.91% | 16.03% | 15.78% | 16.05% | 16.50% | 16.37% | 16.14% | 16.39% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.48% | 43.37% | 40.73% | 40.13% | 40.36% | 38.88% | 37.39% | 39.13% | -100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Bend, IN · Charter 18393 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.34%
Rank 324 of 1,683
Net Interest Margin
2.82%
Rank 1,537 of 1,683
Efficiency Ratio
61.21%
Rank 206 of 1,682
Equity / Assets
16.39%
Rank 431 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 324 / 1,683 | ||
| Return on Equity | 8.19% | 2.67% | 5.89% | 8.74% | Beats 71% | 491 / 1,681 | ||
| Net Interest Margin | 2.82% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,537 / 1,683 | ||
| Efficiency Ratio | 61.21% | 68.91% | 78.20% | 86.93% | Beats 88% | 206 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 449 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.39% | 10.44% | 12.89% | 16.53% | Beats 74% | 431 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.39% | 10.44% | 12.89% | 16.53% | Beats 74% | 431 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.13% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,508 / 1,683 | ||
| Loans / Assets | 32.82% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,507 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||