Lafayette, IN · Charter 24026
NCUA · 9 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
12
Asset Quality
66
Profitability
88
Liquidity
62
Efficiency
63
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.
Lafayette, IN · Charter 24026
NCUA · 9 branches
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 | 0.72% | 0.74% | 0.63% | 0.79% | 0.91% | 0.89% | 1.15% | 1.40% | +61 bps | |
| Return on Equity | 8.37% | 8.51% | 7.41% | 9.05% | 10.19% | 9.93% | 13.09% | 15.15% | +610 bps | |
| Net Interest Margin | 4.35% | 4.39% | 4.50% | 4.59% | 4.64% | 4.62% | 4.57% | 4.65% | +5 bps | |
| Efficiency Ratio | 78.45% | 77.27% | 77.63% | 75.66% | 75.01% | 75.38% | 77.19% | 73.55% | -211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | 0.49% | 2.86% | 4.69% | 7.42% | 8.10% | 8.16% | 8.03% | +334 bps | |
| Loan Growth (YoY) | 6.87% | 5.86% | 4.82% | 5.89% | 5.75% | 7.53% | 7.46% | 6.91% | +101 bps | |
| Share Growth (YoY) | -3.61% | -0.19% | 2.39% | 4.41% | 7.45% | 8.03% | 7.93% | 7.38% | +297 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.90% | 0.63% | 0.56% | 0.66% | 0.71% | 0.56% | 0.41% | -15 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 | 8.63% | 8.70% | 8.49% | 8.70% | 8.89% | 8.92% | 8.82% | 9.22% | +52 bps | |
| Net Worth / Assets | 8.63% | 8.70% | 8.49% | 8.70% | 8.89% | 8.92% | 8.82% | 9.22% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.88% | 79.53% | 76.14% | 78.35% | 78.61% | 79.17% | 75.81% | 78.00% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lafayette, IN · Charter 24026 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
1.40%
Rank 291 of 1,683
Net Interest Margin
4.65%
Rank 267 of 1,683
Efficiency Ratio
73.55%
Rank 620 of 1,682
Equity / Assets
9.22%
Rank 1,480 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.35% | 0.74% | 1.18% | Beats 83% | 291 / 1,683 | ||
| Return on Equity | 15.15% | 2.67% | 5.89% | 8.74% | Beats 97% | 45 / 1,681 | ||
| Net Interest Margin | 4.65% | 3.31% | 3.82% | 4.32% | Beats 84% | 267 / 1,683 | ||
| Efficiency Ratio | 73.55% | 68.91% | 78.20% | 86.93% | Beats 63% | 620 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 66% | 580 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.22% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,480 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.22% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,480 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.00% | 52.61% | 69.38% | 83.50% | 66th pctl | 574 / 1,683 | ||
| Loans / Assets | 70.08% | 44.71% | 59.18% | 70.72% | 74th pctl | 442 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||