Warsaw, IN · Charter 22704
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
76
Profitability
50
Liquidity
53
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.
Warsaw, IN · Charter 22704
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.05% | 0.04% | 0.43% | 0.71% | 0.71% | 0.71% | 0.86% | +43 bps | |
| Return on Equity | -0.53% | 0.43% | 0.31% | 3.84% | 6.04% | 5.91% | 6.09% | 7.46% | +362 bps | |
| Net Interest Margin | 2.32% | 2.31% | 2.20% | 2.63% | 2.77% | 2.77% | 2.73% | 3.32% | +69 bps | |
| Efficiency Ratio | 101.27% | 98.24% | 98.78% | 86.55% | 79.33% | 79.40% | 75.51% | 77.80% | -875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | -4.66% | 1.03% | -0.14% | 5.09% | 1.50% | 5.16% | 4.38% | +452 bps | |
| Loan Growth (YoY) | -5.84% | -4.51% | -5.68% | -7.18% | -3.63% | -5.81% | 1.60% | 7.21% | +1,438 bps | |
| Share Growth (YoY) | -4.06% | -5.24% | 1.26% | 0.09% | 6.04% | 1.08% | 4.64% | 3.47% | +337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.02% | 1.06% | 1.06% | 0.96% | 0.91% | 0.68% | 0.22% | -84 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.78% | 11.61% | 11.30% | 11.75% | 12.02% | 11.65% | 11.53% | +23 bps | |
| Net Worth / Assets | 12.04% | 11.78% | 11.61% | 11.30% | 11.75% | 12.02% | 11.65% | 11.53% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.57% | 59.91% | 57.36% | 52.55% | 54.14% | 55.83% | 55.70% | 54.45% | +190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warsaw, IN · Charter 22704 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
Return on Assets
0.86%
Rank 686 of 1,677
Net Interest Margin
3.33%
Rank 1,216 of 1,676
Efficiency Ratio
77.82%
Rank 791 of 1,674
Equity / Assets
11.53%
Rank 1,039 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.29% | 0.71% | 1.15% | Beats 59% | 686 / 1,677 | ||
| Return on Equity | 7.46% | 2.30% | 5.46% | 8.75% | Beats 65% | 583 / 1,674 | ||
| Net Interest Margin | 3.33% | 3.27% | 3.78% | 4.29% | Beats 27% | 1,216 / 1,676 | ||
| Efficiency Ratio | 77.82% | 69.04% | 78.86% | 87.73% | Beats 53% | 791 / 1,674 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.23% | 0.59% | 1.15% | Beats 76% | 407 / 1,675 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.53% | 10.32% | 12.68% | 16.26% | Beats 38% | 1,040 / 1,677 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.53% | 10.32% | 12.68% | 16.26% | Beats 38% | 1,039 / 1,676 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.45% | 52.64% | 68.65% | 82.42% | 28th pctl | 1,211 / 1,676 | ||
| Loans / Assets | 48.03% | 44.39% | 58.63% | 70.08% | 31st pctl | 1,162 / 1,676 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||