Madison, IN · Charter 19319
NCUA · 2 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
28
Asset Quality
89
Profitability
77
Liquidity
84
Efficiency
52
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.
Madison, IN · Charter 19319
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.90% | 0.93% | 1.34% | 1.27% | +33 bps | |
| Return on Equity | 8.96% | 8.68% | 8.57% | 13.09% | 11.87% | +291 bps | |
| Net Interest Margin | 4.04% | 4.06% | 4.21% | 3.94% | 4.04% | 0 bps | |
| Efficiency Ratio | 81.53% | 81.81% | 81.89% | 77.12% | 77.40% | -412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.58% | 5.60% | 7.07% | 8.87% | 9.34% | +1,091 bps | |
| Loan Growth (YoY) | 28.08% | 35.54% | 35.83% | 23.36% | 11.29% | -1,679 bps | |
| Share Growth (YoY) | -2.54% | 5.82% | 6.99% | 9.57% | 9.68% | +1,222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.04% | 0.09% | 0.04% | 0.05% | -15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.52% | 10.37% | 10.83% | 10.23% | 10.69% | +17 bps | |
| Net Worth / Assets | 10.52% | 10.37% | 10.83% | 10.23% | 10.69% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.00% | 74.89% | 78.04% | 71.66% | 73.06% | +106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, IN · Charter 19319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.27%
Rank 362 of 1,683
Net Interest Margin
4.04%
Rank 638 of 1,683
Efficiency Ratio
77.59%
Rank 809 of 1,682
Equity / Assets
10.69%
Rank 1,220 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 362 / 1,683 | |
| Return on Equity | 11.88% | 2.67% | 5.89% | 8.74% | Beats 91% | 148 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 638 / 1,683 | |
| Efficiency Ratio | 77.59% | 68.91% | 78.20% | 86.93% | Beats 52% | 809 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 182 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.69% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,220 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.69% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,220 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.06% | 52.61% | 69.38% | 83.50% | 57th pctl | 725 / 1,683 | |
| Loans / Assets | 64.91% | 44.71% | 59.18% | 70.72% | 62nd pctl | 633 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||