Munster, IN · Charter 22695
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 in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
12
Profitability
79
Liquidity
41
Efficiency
53
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.
Munster, IN · Charter 22695
NCUA · 1 branch
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 | 1.96% | 2.21% | 2.31% | 1.29% | 1.20% | -76 bps | |
| Return on Equity | 8.35% | 9.34% | 9.57% | 5.57% | 4.91% | -344 bps | |
| Net Interest Margin | 6.80% | 6.73% | 6.59% | 5.72% | 5.86% | -94 bps | |
| Efficiency Ratio | 72.13% | 68.22% | 67.63% | 78.30% | 80.17% | +804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.70% | 6.91% | 6.75% | 9.81% | 2.72% | -199 bps | |
| Loan Growth (YoY) | -11.57% | -15.24% | -17.90% | -18.14% | -24.06% | -1,249 bps | |
| Share Growth (YoY) | 3.54% | 6.34% | 5.83% | 10.86% | 1.97% | -157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.68% | 3.25% | 3.38% | 2.75% | 4.00% | +132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.75% | 1.86% | 1.99% | 2.19% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.46% | 23.67% | 24.18% | 23.15% | 24.48% | +102 bps | |
| Net Worth / Assets | 23.46% | 23.67% | 24.18% | 23.15% | 24.48% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.76% | 85.52% | 82.96% | 70.55% | 68.34% | -2,342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Munster, IN · Charter 22695 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 19 of 96
Net Interest Margin
5.84%
Rank 4 of 96
Efficiency Ratio
80.00%
Rank 46 of 96
Equity / Assets
24.48%
Rank 12 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | -0.02% | 0.42% | 1.03% | Beats 80% | 19 / 96 | |
| Return on Equity | 4.95% | -0.11% | 2.94% | 6.89% | Beats 62% | 36 / 95 | |
| Net Interest Margin | 5.84% | 3.01% | 3.57% | 4.27% | Beats 96% | 4 / 96 | |
| Efficiency Ratio | 80.00% | 73.45% | 82.91% | 96.61% | Beats 53% | 46 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.02% | 0.08% | 0.86% | 1.63% | Beats 12% | 83 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.48% | 11.79% | 15.23% | 18.93% | Beats 88% | 12 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.48% | 11.79% | 15.23% | 18.93% | Beats 88% | 12 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.36% | 32.14% | 50.03% | 67.81% | 77th pctl | 22 / 96 | |
| Loans / Assets | 51.46% | 23.12% | 42.50% | 56.24% | 69th pctl | 30 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||