South Bend, IN · Charter 4487
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
96
Asset Quality
2
Profitability
34
Liquidity
26
Efficiency
3
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.
South Bend, IN · Charter 4487
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 | -0.29% | -0.81% | -1.59% | -0.70% | -2.29% | -201 bps | |
| Return on Equity | -0.99% | -2.77% | -5.29% | -2.21% | -7.90% | -692 bps | |
| Net Interest Margin | 4.76% | 4.95% | 5.28% | 6.04% | 5.54% | +78 bps | |
| Efficiency Ratio | 111.15% | 113.33% | 114.69% | 120.01% | 120.58% | +942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.99% | -10.07% | -16.58% | -18.05% | -8.37% | +163 bps | |
| Loan Growth (YoY) | -15.64% | -15.74% | -12.90% | -12.75% | -6.96% | +868 bps | |
| Share Growth (YoY) | -12.83% | -12.44% | -20.40% | -22.37% | -8.40% | +442 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.10% | 1.80% | 6.56% | 3.09% | 6.84% | +374 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.44% | 0.73% | 0.68% | 0.77% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.94% | 29.03% | 30.01% | 31.58% | 29.00% | +6 bps | |
| Net Worth / Assets | 28.94% | 29.03% | 30.01% | 31.58% | 29.00% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.77% | 84.18% | 87.79% | 94.52% | 86.11% | +134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Bend, IN · Charter 4487 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.31%
Rank 1,652 of 1,683
Net Interest Margin
5.53%
Rank 63 of 1,683
Efficiency Ratio
120.21%
Rank 1,640 of 1,682
Equity / Assets
29.00%
Rank 62 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.31% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,652 / 1,683 | |
| Return on Equity | -7.97% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,610 / 1,681 | |
| Net Interest Margin | 5.53% | 3.31% | 3.82% | 4.32% | Beats 96% | 63 / 1,683 | |
| Efficiency Ratio | 120.21% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,640 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.82% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,654 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.00% | 10.44% | 12.89% | 16.53% | Beats 96% | 62 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.00% | 10.44% | 12.89% | 16.53% | Beats 96% | 62 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.12% | 52.61% | 69.38% | 83.50% | 80th pctl | 342 / 1,683 | |
| Loans / Assets | 61.09% | 44.71% | 59.18% | 70.72% | 54th pctl | 768 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||