Connersville, IN · Charter 3536
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
80
Profitability
31
Liquidity
54
Efficiency
2
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.
Connersville, IN · Charter 3536
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -1.01% | -3.85% | -5.09% | -1.31% | -4.51% | -2.77% | -1.81% | +328 bps | |
| Return on Equity | -12.32% | -9.43% | -36.08% | -59.88% | -12.57% | -78.37% | -55.28% | -37.09% | +2,279 bps | |
| Net Interest Margin | 3.96% | 3.03% | 3.60% | 3.99% | 3.96% | 4.64% | 4.98% | 4.98% | +99 bps | |
| Efficiency Ratio | 100.65% | 100.65% | 136.68% | 181.05% | 100.65% | 161.15% | 132.52% | 122.81% | -5,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.10% | -15.33% | -13.33% | -1.72% | 0.00% | -4.69% | -4.45% | -8.81% | -709 bps | |
| Loan Growth (YoY) | 21.98% | 15.85% | 14.05% | -4.35% | 0.00% | -17.89% | -24.77% | -21.37% | -1,702 bps | |
| Share Growth (YoY) | -12.95% | -14.76% | -13.29% | 0.33% | 0.00% | 0.01% | 1.87% | -5.24% | -557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.76% | 0.56% | 0.51% | 0.73% | 0.96% | 0.10% | 0.16% | -35 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 | 10.66% | 10.67% | 10.67% | 8.50% | 10.44% | 5.76% | 5.01% | 4.88% | -362 bps | |
| Net Worth / Assets | 10.66% | 10.67% | 10.67% | 8.50% | 10.44% | 5.76% | 5.01% | 4.88% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.30% | 78.79% | 79.94% | 69.08% | 79.30% | 64.69% | 59.04% | 57.32% | -1,176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Connersville, IN · Charter 3536 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
-1.80%
Rank 1,624 of 1,659
Net Interest Margin
5.00%
Rank 161 of 1,658
Efficiency Ratio
122.79%
Rank 1,620 of 1,656
Equity / Assets
4.88%
Rank 1,655 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.80% | 0.35% | 0.78% | 1.25% | Beats 2% | 1,624 / 1,659 | ||
| Return on Equity | -36.92% | 2.75% | 6.06% | 9.41% | Beats 1% | 1,643 / 1,657 | ||
| Net Interest Margin | 5.00% | 3.20% | 3.76% | 4.33% | Beats 90% | 161 / 1,658 | ||
| Efficiency Ratio | 122.79% | 67.69% | 77.34% | 85.79% | Beats 2% | 1,620 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.24% | 0.65% | 1.35% | Beats 80% | 326 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.88% | 10.20% | 12.57% | 16.16% | Beats 0% | 1,656 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.88% | 10.20% | 12.57% | 16.15% | Beats 0% | 1,655 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.32% | 54.91% | 71.55% | 84.72% | 28th pctl | 1,197 / 1,658 | ||
| Loans / Assets | 54.66% | 46.17% | 60.56% | 71.91% | 38th pctl | 1,027 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||