Terre Haute, IN · Charter 4488
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
93
Asset Quality
86
Profitability
35
Liquidity
5
Efficiency
4
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.
Terre Haute, IN · Charter 4488
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 | -0.15% | 0.32% | 0.22% | -1.02% | -0.63% | -48 bps | |
| Return on Equity | -0.66% | 1.31% | 0.91% | -4.36% | -2.63% | -197 bps | |
| Net Interest Margin | 15.05% | 12.24% | 10.33% | 4.86% | 4.97% | -1,008 bps | |
| Efficiency Ratio | 100.90% | 97.72% | 98.14% | 117.72% | 111.00% | +1,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.43% | -7.59% | -1.43% | -4.84% | -3.87% | -45 bps | |
| Loan Growth (YoY) | -3.34% | 3.78% | -2.65% | -7.28% | -11.36% | -802 bps | |
| Share Growth (YoY) | -4.47% | -10.07% | -2.30% | -6.39% | -5.02% | -55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.05% | 0.17% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.08% | 0.09% | 0.09% | 0.09% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.12% | 24.39% | 24.26% | 23.39% | 24.03% | +92 bps | |
| Net Worth / Assets | 23.12% | 24.39% | 24.26% | 23.39% | 24.03% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.38% | 98.49% | 90.67% | 90.57% | 90.88% | -650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Terre Haute, IN · Charter 4488 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.64%
Rank 1,584 of 1,683
Net Interest Margin
4.95%
Rank 152 of 1,683
Efficiency Ratio
111.21%
Rank 1,618 of 1,682
Equity / Assets
24.04%
Rank 115 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,584 / 1,683 | |
| Return on Equity | -2.68% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,564 / 1,681 | |
| Net Interest Margin | 4.95% | 3.31% | 3.82% | 4.32% | Beats 91% | 152 / 1,683 | |
| Efficiency Ratio | 111.21% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,618 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 238 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.04% | 10.44% | 12.89% | 16.53% | Beats 93% | 115 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.04% | 10.44% | 12.89% | 16.53% | Beats 93% | 115 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.87% | 52.61% | 69.38% | 83.50% | 88th pctl | 210 / 1,683 | |
| Loans / Assets | 69.03% | 44.71% | 59.18% | 70.72% | 71st pctl | 481 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||