Fort Wayne, IN · Charter 24781
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 Fort Wayne, IN area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
5
Profitability
63
Liquidity
55
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.
Fort Wayne, IN · Charter 24781
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 | 3.29% | 2.03% | 1.72% | 2.08% | 1.90% | 2.29% | 2.38% | 2.55% | +47 bps | |
| Return on Equity | 24.58% | 31.49% | 23.21% | 24.93% | 23.22% | 24.74% | 22.52% | 26.07% | +114 bps | |
| Net Interest Margin | 5.46% | 2.40% | 0.73% | 1.44% | 1.39% | 2.05% | 2.15% | 2.20% | +76 bps | |
| Efficiency Ratio | 81.84% | 77.02% | 78.73% | 84.29% | 85.44% | 84.06% | 80.95% | 80.22% | -407 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.86% | 119.56% | 106.96% | 103.29% | 123.12% | -7.56% | 5.32% | 10.73% | -9,256 bps | |
| Loan Growth (YoY) | 13.22% | -0.75% | 9.19% | 1.69% | 18.66% | 35.68% | 8.62% | 9.71% | +802 bps | |
| Share Growth (YoY) | 41.73% | 347% | 262% | 265% | 123.24% | -32.48% | -8.63% | -6.58% | -27,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.18% | 5.09% | 4.51% | 1.15% | 2.38% | 4.73% | 1.87% | 3.89% | +274 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 | 3.04% | 3.24% | 1.41% | -1.54% | -0.13% | -1.07% | -1.53% | 0.14% | +168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.39% | 6.45% | 7.40% | 8.35% | 8.18% | 9.27% | 10.58% | 9.77% | +143 bps | |
| Net Worth / Assets | 13.39% | 6.45% | 7.40% | 8.35% | 8.18% | 9.27% | 10.58% | 9.77% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.71% | 33.29% | 47.28% | 47.01% | 50.34% | 66.89% | 56.21% | 55.21% | +820 bps | |
| Liquid Assets / Assets | 0.00% | 33.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Wayne, IN · Charter 24781 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
2.52%
Rank 1 of 19
Net Interest Margin
2.30%
Rank 19 of 19
Efficiency Ratio
79.83%
Rank 10 of 19
Equity / Assets
9.79%
Rank 17 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.52% | -0.27% | 1.22% | 1.52% | Beats 95% | 1 / 19 | ||
| Return on Equity | 25.70% | -2.41% | 9.38% | 13.75% | Beats 95% | 1 / 19 | ||
| Net Interest Margin | 2.30% | 3.49% | 3.77% | 4.18% | Beats 0% | 19 / 19 | ||
| Efficiency Ratio | 79.83% | 68.63% | 79.83% | 95.74% | Beats 53% | 10 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.91% | 0.38% | 0.61% | 1.20% | Beats 5% | 19 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.79% | 10.00% | 11.56% | 13.69% | Beats 11% | 17 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.79% | 10.00% | 11.56% | 13.69% | Beats 11% | 17 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.20% | 49.95% | 68.70% | 81.33% | 32nd pctl | 13 / 19 | ||
| Loans / Assets | 39.20% | 39.83% | 58.83% | 70.01% | 16th pctl | 16 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||