Muncie, IN · Charter 3631
NCUA · 3 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
41
Asset Quality
30
Profitability
52
Liquidity
62
Efficiency
37
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.
Muncie, IN · Charter 3631
NCUA · 3 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 | 0.93% | 0.87% | 1.59% | 1.63% | 1.61% | 1.60% | 0.64% | 0.77% | -87 bps | |
| Return on Equity | 8.60% | 7.90% | 14.59% | 14.22% | 13.87% | 13.42% | 5.59% | 6.38% | -785 bps | |
| Net Interest Margin | 3.40% | 3.48% | 3.52% | 3.73% | 3.75% | 3.80% | 3.66% | 3.81% | +8 bps | |
| Efficiency Ratio | 77.53% | 77.69% | 69.56% | 69.48% | 69.79% | 70.01% | 84.87% | 82.38% | +1,290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.37% | 8.32% | 8.91% | 7.05% | 5.75% | 7.30% | 7.39% | 5.99% | -105 bps | |
| Loan Growth (YoY) | 9.68% | 9.66% | 10.45% | 12.34% | 12.96% | 14.41% | 12.80% | 12.25% | -9 bps | |
| Share Growth (YoY) | 10.51% | 7.98% | 8.73% | 6.30% | 4.77% | 5.84% | 6.27% | 4.81% | -148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.76% | 1.16% | 0.81% | 1.30% | 1.40% | 1.27% | 1.08% | +27 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 | 10.82% | 11.08% | 10.88% | 11.48% | 11.60% | 11.92% | 11.44% | 12.00% | +52 bps | |
| Net Worth / Assets | 10.82% | 11.08% | 10.88% | 11.48% | 11.60% | 11.92% | 11.44% | 12.00% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.17% | 70.31% | 67.93% | 72.78% | 73.50% | 76.00% | 72.10% | 77.94% | +516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muncie, IN · Charter 3631 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.77%
Rank 814 of 1,683
Net Interest Margin
3.81%
Rank 851 of 1,683
Efficiency Ratio
82.41%
Rank 1,054 of 1,682
Equity / Assets
12.00%
Rank 997 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 814 / 1,683 | ||
| Return on Equity | 6.38% | 2.67% | 5.89% | 8.74% | Beats 55% | 760 / 1,681 | ||
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 49% | 851 / 1,683 | ||
| Efficiency Ratio | 82.41% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,054 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,173 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 997 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 997 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.94% | 52.61% | 69.38% | 83.50% | 66th pctl | 576 / 1,683 | ||
| Loans / Assets | 68.15% | 44.71% | 59.18% | 70.72% | 69th pctl | 517 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||