Muncie, IN · Charter 489
NCUA · 4 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
24
Asset Quality
39
Profitability
69
Liquidity
47
Efficiency
43
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 489
NCUA · 4 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 | 0.51% | 0.56% | 0.56% | 1.34% | 1.17% | 0.98% | 0.99% | 0.91% | -43 bps | |
| Return on Equity | 5.29% | 5.61% | 5.69% | 12.97% | 11.10% | 9.67% | 9.85% | 8.74% | -423 bps | |
| Net Interest Margin | 3.87% | 3.90% | 4.42% | 4.38% | 4.46% | 4.27% | 4.32% | 4.24% | -14 bps | |
| Efficiency Ratio | 82.09% | 86.04% | 82.40% | 75.01% | 73.96% | 75.54% | 80.83% | 80.69% | +567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.66% | 5.98% | 3.72% | 3.35% | 1.55% | 7.80% | 8.14% | 11.75% | +839 bps | |
| Loan Growth (YoY) | 3.57% | 0.93% | 8.13% | 14.97% | 17.47% | 17.32% | 9.24% | 5.45% | -952 bps | |
| Share Growth (YoY) | 16.60% | 6.23% | 3.42% | 2.28% | 0.29% | 7.17% | 7.40% | 11.52% | +924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.61% | 0.43% | 0.26% | 0.39% | 0.35% | 0.36% | 0.88% | +62 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 | 9.73% | 9.97% | 9.84% | 10.30% | 10.52% | 10.12% | 10.04% | 10.37% | +8 bps | |
| Net Worth / Assets | 9.73% | 9.97% | 9.84% | 10.30% | 10.52% | 10.12% | 10.04% | 10.37% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.26% | 77.89% | 79.95% | 86.09% | 89.31% | 85.27% | 81.32% | 81.41% | -469 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 489 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.91%
Rank 675 of 1,683
Net Interest Margin
4.24%
Rank 472 of 1,683
Efficiency Ratio
80.69%
Rank 965 of 1,682
Equity / Assets
10.37%
Rank 1,273 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 675 / 1,683 | ||
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 423 / 1,681 | ||
| Net Interest Margin | 4.24% | 3.31% | 3.82% | 4.32% | Beats 72% | 472 / 1,683 | ||
| Efficiency Ratio | 80.69% | 68.91% | 78.20% | 86.93% | Beats 43% | 965 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,022 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.37% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,273 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.37% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,273 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.41% | 52.61% | 69.38% | 83.50% | 72nd pctl | 474 / 1,683 | ||
| Loans / Assets | 72.51% | 44.71% | 59.18% | 70.72% | 79th pctl | 357 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||