Kokomo, IN · Charter 3012
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 (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
23
Asset Quality
87
Profitability
33
Liquidity
0
Efficiency
10
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.
Kokomo, IN · Charter 3012
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 | -0.66% | -0.17% | 0.10% | -0.01% | 0.24% | +90 bps | |
| Return on Equity | -6.49% | -1.66% | 0.97% | -0.09% | 2.37% | +887 bps | |
| Net Interest Margin | 3.76% | 3.89% | 3.91% | 3.65% | 3.94% | +17 bps | |
| Efficiency Ratio | 101.72% | 95.15% | 92.76% | 101.31% | 95.93% | -579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.23% | 2.55% | 4.80% | 7.31% | 5.08% | +185 bps | |
| Loan Growth (YoY) | 4.67% | 1.41% | 0.74% | -5.39% | 0.86% | -380 bps | |
| Share Growth (YoY) | 3.25% | 3.51% | 5.27% | 8.75% | 6.30% | +305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.35% | 0.24% | 0.14% | 0.08% | -38 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 | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Net Worth / Assets | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.13% | 33.65% | 32.62% | 29.09% | 32.39% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kokomo, IN · Charter 3012 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.24%
Rank 1,354 of 1,683
Net Interest Margin
3.94%
Rank 725 of 1,683
Efficiency Ratio
95.99%
Rank 1,522 of 1,682
Equity / Assets
10.23%
Rank 1,299 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,354 / 1,683 | |
| Return on Equity | 2.38% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,301 / 1,681 | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 725 / 1,683 | |
| Efficiency Ratio | 95.99% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,522 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 87% | 214 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.23% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,299 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.23% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,299 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.39% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,578 / 1,683 | |
| Loans / Assets | 29.15% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,564 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||