Indianapolis, IN · Charter 20793
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 in the Indianapolis-Carmel-Greenwood, IN area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
12
Profitability
24
Liquidity
15
Efficiency
12
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.
Indianapolis, IN · Charter 20793
NCUA · 3 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 | -0.01% | 1.12% | 0.60% | -4.42% | -3.54% | -353 bps | |
| Return on Equity | -0.07% | 9.35% | 5.01% | -41.81% | -34.01% | -3,394 bps | |
| Net Interest Margin | 5.04% | 5.15% | 5.31% | 4.88% | 5.14% | +10 bps | |
| Efficiency Ratio | 89.78% | 81.99% | 84.12% | 98.40% | 100.43% | +1,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.45% | -0.29% | 0.18% | -4.53% | -5.20% | +125 bps | |
| Loan Growth (YoY) | -6.53% | -5.24% | -6.47% | -7.54% | -11.97% | -545 bps | |
| Share Growth (YoY) | -6.65% | -1.70% | -0.84% | -4.00% | -3.63% | +302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.04% | 3.67% | 4.28% | 3.08% | 2.20% | +16 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 | 10.96% | 12.01% | 11.90% | 10.58% | 10.41% | -55 bps | |
| Net Worth / Assets | 10.96% | 12.01% | 11.90% | 10.58% | 10.41% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.79% | 50.07% | 50.28% | 43.88% | 46.39% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Indianapolis, IN · Charter 20793 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)
NCUA · 3 branches
Q2 2026
Return on Assets
-3.54%
Rank 17 of 17
Net Interest Margin
5.14%
Rank 5 of 17
Efficiency Ratio
100.43%
Rank 16 of 17
Equity / Assets
10.41%
Rank 15 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.54% | 0.19% | 0.64% | 1.29% | Beats 0% | 17 / 17 | |
| Return on Equity | -34.00% | 1.18% | 4.37% | 6.83% | Beats 0% | 17 / 17 | |
| Net Interest Margin | 5.14% | 3.90% | 4.45% | 5.14% | Beats 71% | 5 / 17 | |
| Efficiency Ratio | 100.43% | 70.94% | 82.19% | 89.67% | Beats 12% | 16 / 17 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.20% | 0.25% | 0.67% | 1.07% | Beats 12% | 16 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.41% | 11.07% | 13.23% | 17.96% | Beats 12% | 15 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.41% | 11.07% | 13.23% | 17.96% | Beats 12% | 15 / 17 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.39% | 50.73% | 68.00% | 82.61% | 12th pctl | 15 / 17 | |
| Loans / Assets | 41.36% | 39.57% | 58.53% | 70.18% | 29th pctl | 12 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||