Wabash, IN · Charter 19432
NCUA · 1 branch
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
78
Asset Quality
100
Profitability
91
Liquidity
81
Efficiency
89
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.
Wabash, IN · Charter 19432
NCUA · 1 branch
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 | 1.32% | 0.87% | 1.42% | 2.07% | 2.01% | 2.18% | 1.92% | 2.04% | -3 bps | |
| Return on Equity | 11.01% | 7.15% | 11.91% | 15.59% | 14.45% | 13.85% | 11.92% | 11.80% | -379 bps | |
| Net Interest Margin | 3.51% | 3.20% | 3.62% | 4.34% | 4.32% | 4.79% | 4.55% | 4.81% | +47 bps | |
| Efficiency Ratio | 62.28% | 72.63% | 61.90% | 53.47% | 53.62% | 54.49% | 58.30% | 58.23% | +476 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -0.13% | 0.18% | 2.16% | -4.23% | -10.04% | -13.73% | -12.72% | -1,487 bps | |
| Loan Growth (YoY) | 0.54% | -2.51% | -9.43% | -1.36% | 0.11% | 4.01% | 6.67% | -9.59% | -823 bps | |
| Share Growth (YoY) | -3.01% | -1.16% | -0.76% | 0.98% | -6.24% | -13.66% | -17.79% | -16.79% | -1,778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.35% | 0.37% | 0.38% | 0.31% | 0.35% | 0.35% | 0.37% | 0.37% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.00% | 12.21% | 11.95% | 13.29% | 13.88% | 15.76% | 16.08% | 17.32% | +403 bps | |
| Net Worth / Assets | 12.00% | 12.21% | 11.95% | 13.29% | 13.88% | 15.76% | 16.08% | 17.32% | +403 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.04% | 63.98% | 56.22% | 67.83% | 69.45% | 77.07% | 72.95% | 73.70% | +587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wabash, IN · Charter 19432 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.05%
Rank 73 of 1,683
Net Interest Margin
4.79%
Rank 212 of 1,683
Efficiency Ratio
59.34%
Rank 178 of 1,682
Equity / Assets
17.33%
Rank 370 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.05% | 0.35% | 0.74% | 1.18% | Beats 96% | 73 / 1,683 | ||
| Return on Equity | 11.84% | 2.67% | 5.89% | 8.74% | Beats 91% | 150 / 1,681 | ||
| Net Interest Margin | 4.79% | 3.31% | 3.82% | 4.32% | Beats 87% | 212 / 1,683 | ||
| Efficiency Ratio | 59.34% | 68.91% | 78.20% | 86.93% | Beats 89% | 178 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.33% | 10.44% | 12.89% | 16.53% | Beats 78% | 370 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.33% | 10.44% | 12.89% | 16.53% | Beats 78% | 370 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.70% | 52.61% | 69.38% | 83.50% | 58th pctl | 704 / 1,683 | ||
| Loans / Assets | 60.87% | 44.71% | 59.18% | 70.72% | 54th pctl | 777 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||