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Policemen's

South Bend, IN · Charter 18393

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 (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.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

74

Q2 2024Q2 2026Peer median (50)

Asset Quality

73

Q2 2024Q2 2026Peer median (50)

Profitability

54

Q2 2024Q2 2026Peer median (50)

Liquidity

1

Q2 2024Q2 2026Peer median (100)

Efficiency

88

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Policemen's

South Bend, IN · Charter 18393

NCUA · 3 branches

Q2 2026

$95.5MAssets
$31.4MLoans
$80.1MShares
$15.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.34%, up 10 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.29% of loans (+12 bps YoY).
  • Capital: net worth / assets of 16.39%, up 33 bps from a year ago.
  • Funding: loans stand at 39.13% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.34%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+14 bps YoY

Efficiency Ratio (YTD, annualized)

61.20%-147 bps YoY

Net Worth / Assets

16.39%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.09%1.16%1.24%1.57%1.48%1.29%1.34%+10 bps
Return on Equity6.61%6.78%7.35%7.74%9.53%9.02%7.98%8.19%+45 bps
Net Interest Margin2.48%2.49%2.63%2.67%2.71%2.68%2.75%2.81%+14 bps
Efficiency Ratio67.43%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 / Loans0.08%0.36%0.16%0.17%0.22%0.20%0.30%0.29%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.91%16.03%15.78%16.05%16.50%16.37%16.14%16.39%+33 bps
Net Worth / Assets15.91%16.03%15.78%16.05%16.50%16.37%16.14%16.39%+33 bps
Liquidity & Funding
Loans / Shares44.48%43.37%40.73%40.13%40.36%38.88%37.39%39.13%-100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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 2026-10-12

Policemen's

South Bend, IN · Charter 18393 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$95.5MAssets
$31.4MLoans
$80.1MShares
$15.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets (rank 206 of 1682).
  • Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1537 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.34%0.35%0.74%1.18%Beats 81%324 / 1,683
Return on Equity8.19%2.67%5.89%8.74%Beats 71%491 / 1,681
Net Interest Margin2.82%3.31%3.82%4.32%Beats 9%1,537 / 1,683
Efficiency Ratio61.21%68.91%78.20%86.93%Beats 88%206 / 1,682
Asset Quality
Nonperforming Loans / Loans0.29%0.26%0.65%1.29%Beats 73%449 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.39%10.44%12.89%16.53%Beats 74%431 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.39%10.44%12.89%16.53%Beats 74%431 / 1,683
Liquidity & Funding
Loans / Deposits39.13%52.61%69.38%83.50%10th pctl1,508 / 1,683
Loans / Assets32.82%44.71%59.18%70.72%10th pctl1,507 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution