South Bend, IN · Charter 60060
NCUA · 49 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
33
Profitability
43
Liquidity
88
Efficiency
73
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 60060
NCUA · 49 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 | 0.60% | 0.55% | 0.61% | 0.55% | 0.61% | 0.67% | 0.52% | 0.74% | +19 bps | |
| Return on Equity | 6.49% | 6.04% | 6.81% | 6.26% | 6.81% | 7.53% | 5.75% | 8.15% | +189 bps | |
| Net Interest Margin | 2.81% | 2.80% | 2.94% | 2.88% | 2.98% | 2.97% | 3.04% | 3.08% | +20 bps | |
| Efficiency Ratio | 70.07% | 69.67% | 70.97% | 71.43% | 70.18% | 68.58% | 70.16% | 66.08% | -535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | 1.47% | 4.58% | 6.93% | 6.68% | 7.45% | 5.81% | 4.48% | -245 bps | |
| Loan Growth (YoY) | -0.19% | 1.19% | 2.05% | 5.88% | 8.71% | 5.45% | 5.16% | 4.33% | -155 bps | |
| Share Growth (YoY) | 6.14% | 9.33% | 11.06% | 11.51% | 12.08% | 6.83% | 4.26% | 2.68% | -883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.92% | 0.69% | 0.80% | 0.89% | 1.04% | 0.67% | 0.91% | +11 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 | 9.18% | 9.04% | 8.97% | 8.86% | 9.03% | 8.95% | 8.99% | 9.11% | +25 bps | |
| Net Worth / Assets | 9.18% | 9.04% | 8.97% | 8.86% | 9.03% | 8.95% | 8.99% | 9.11% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.34% | 89.41% | 88.19% | 88.61% | 90.53% | 88.26% | 88.96% | 90.03% | +142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Bend, IN · Charter 60060 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 49 branches
Q2 2026
Return on Assets
0.74%
Rank 252 of 435
Net Interest Margin
3.08%
Rank 305 of 435
Efficiency Ratio
66.08%
Rank 119 of 435
Equity / Assets
9.11%
Rank 382 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 42% | 252 / 435 | ||
| Return on Equity | 8.15% | 5.12% | 7.41% | 9.70% | Beats 57% | 186 / 435 | ||
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 30% | 305 / 435 | ||
| Efficiency Ratio | 66.08% | 65.25% | 71.39% | 77.86% | Beats 73% | 119 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.45% | 0.69% | 1.05% | Beats 33% | 294 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.11% | 9.81% | 10.84% | 12.63% | Beats 12% | 382 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.11% | 9.81% | 10.84% | 12.63% | Beats 12% | 382 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.03% | 78.33% | 88.38% | 95.61% | 56th pctl | 191 / 435 | ||
| Loans / Assets | 78.97% | 67.69% | 74.58% | 80.80% | 66th pctl | 147 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||