PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Policemen's

South Bend, IN · Charter 18393

NCUA · 3 branches

Q2 2026

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

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.57%1.48%1.29%1.34%+10 bps
Return on Equity7.74%9.53%9.02%7.98%8.19%+45 bps
Net Interest Margin2.67%2.71%2.68%2.75%2.81%+14 bps
Efficiency Ratio62.67%57.36%58.45%62.44%61.20%-147 bps
Growth
Asset Growth (YoY)5.97%5.66%7.42%7.48%7.75%+178 bps
Loan Growth (YoY)-7.96%-4.86%-4.22%-2.12%4.29%+1,225 bps
Share Growth (YoY)5.74%4.85%6.83%6.60%6.96%+122 bps
Asset Quality
Delinquent Loans / Loans0.17%0.22%0.20%0.30%0.29%+12 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 Capital16.05%16.50%16.37%16.14%16.39%+33 bps
Net Worth / Assets16.05%16.50%16.37%16.14%16.39%+33 bps
Liquidity & Funding
Loans / Shares40.13%40.36%38.88%37.39%39.13%-100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps