Bedford, IN · Charter 60768
NCUA · 11 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
17
Asset Quality
34
Profitability
57
Liquidity
0
Efficiency
58
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.
Bedford, IN · Charter 60768
NCUA · 11 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 | 0.39% | 0.45% | 0.69% | 0.75% | 0.74% | 0.73% | 0.89% | 0.91% | +15 bps | |
| Return on Equity | 4.34% | 4.87% | 7.44% | 8.17% | 7.84% | 7.74% | 9.21% | 9.37% | +121 bps | |
| Net Interest Margin | 3.03% | 3.08% | 3.14% | 3.19% | 3.24% | 3.27% | 3.45% | 3.46% | +27 bps | |
| Efficiency Ratio | 85.16% | 83.81% | 78.10% | 77.42% | 77.40% | 78.15% | 76.19% | 75.78% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -1.31% | -2.05% | 0.36% | 1.87% | 3.39% | 2.61% | 2.49% | +213 bps | |
| Loan Growth (YoY) | 2.01% | 0.65% | -0.07% | -0.04% | 1.15% | 2.16% | 2.22% | 2.33% | +237 bps | |
| Share Growth (YoY) | 1.13% | 1.62% | 2.30% | 5.97% | 7.68% | 7.80% | 8.77% | 6.46% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.52% | 0.95% | 1.40% | 1.08% | 1.13% | 0.85% | 0.97% | -43 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 | 8.98% | 9.18% | 9.23% | 9.23% | 9.38% | 9.48% | 9.65% | 9.69% | +46 bps | |
| Net Worth / Assets | 8.98% | 9.18% | 9.23% | 9.23% | 9.38% | 9.48% | 9.65% | 9.69% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.05% | 103.68% | 99.92% | 97.55% | 98.68% | 98.25% | 93.90% | 93.76% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bedford, IN · Charter 60768 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
0.91%
Rank 672 of 1,683
Net Interest Margin
3.46%
Rank 1,151 of 1,683
Efficiency Ratio
75.79%
Rank 713 of 1,682
Equity / Assets
9.69%
Rank 1,396 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% | 672 / 1,683 | ||
| Return on Equity | 9.37% | 2.67% | 5.89% | 8.74% | Beats 79% | 346 / 1,681 | ||
| Net Interest Margin | 3.46% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,151 / 1,683 | ||
| Efficiency Ratio | 75.79% | 68.91% | 78.20% | 86.93% | Beats 58% | 713 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,108 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.69% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,396 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.69% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,396 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.76% | 52.61% | 69.38% | 83.50% | 92nd pctl | 140 / 1,683 | ||
| Loans / Assets | 80.05% | 44.71% | 59.18% | 70.72% | 92nd pctl | 136 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||