Elkhart, IN · Charter 4968
NCUA · 6 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
5
Asset Quality
36
Profitability
24
Liquidity
0
Efficiency
47
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.
Elkhart, IN · Charter 4968
NCUA · 6 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 | 0.20% | 0.13% | -0.43% | -0.24% | -0.16% | -0.10% | 0.08% | 0.17% | +41 bps | |
| Return on Equity | 2.52% | 1.61% | -5.56% | -3.01% | -1.99% | -1.29% | 1.02% | 2.09% | +510 bps | |
| Net Interest Margin | 3.05% | 3.13% | 3.17% | 3.27% | 3.37% | 3.42% | 3.38% | 3.50% | +23 bps | |
| Efficiency Ratio | 70.99% | 73.20% | 81.92% | 80.81% | 80.50% | 80.46% | 80.18% | 79.09% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | -4.63% | -6.37% | -5.68% | -4.36% | -3.98% | -4.15% | -5.08% | +61 bps | |
| Loan Growth (YoY) | 0.44% | -3.08% | -5.98% | -4.89% | -4.22% | -3.90% | -3.56% | -2.64% | +225 bps | |
| Share Growth (YoY) | -0.28% | -6.53% | -2.96% | -4.73% | -6.05% | -4.31% | -7.53% | -4.51% | +23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 1.20% | 1.04% | 1.01% | 0.99% | 0.99% | 0.97% | 0.94% | -7 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 | 7.91% | 7.95% | 7.80% | 7.89% | 8.07% | 8.12% | 8.11% | 8.36% | +47 bps | |
| Net Worth / Assets | 7.91% | 7.95% | 7.80% | 7.89% | 8.07% | 8.12% | 8.11% | 8.36% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.18% | 114.86% | 109.35% | 112.69% | 115.39% | 115.36% | 114.04% | 114.90% | +220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elkhart, IN · Charter 4968 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.17%
Rank 1,402 of 1,683
Net Interest Margin
3.50%
Rank 1,119 of 1,683
Efficiency Ratio
79.09%
Rank 887 of 1,682
Equity / Assets
8.36%
Rank 1,593 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,402 / 1,683 | ||
| Return on Equity | 2.09% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,336 / 1,681 | ||
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,119 / 1,683 | ||
| Efficiency Ratio | 79.09% | 68.91% | 78.20% | 86.93% | Beats 47% | 887 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,081 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.36% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,593 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.36% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,593 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 114.90% | 52.61% | 69.38% | 83.50% | 99th pctl | 10 / 1,683 | ||
| Loans / Assets | 92.14% | 44.71% | 59.18% | 70.72% | 100th pctl | 2 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||