Fort Wayne, IN · Charter 620
NCUA · 5 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
51
Asset Quality
17
Profitability
52
Liquidity
0
Efficiency
15
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.
Fort Wayne, IN · Charter 620
NCUA · 5 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 | 0.41% | 0.40% | 0.06% | 0.10% | 0.15% | -0.98% | 0.44% | 0.48% | +38 bps | |
| Return on Equity | 2.71% | 2.63% | 0.43% | 0.72% | 0.93% | -7.22% | 3.47% | 3.73% | +301 bps | |
| Net Interest Margin | 4.60% | 4.63% | 4.52% | 4.58% | 4.84% | 4.81% | 4.76% | 4.93% | +34 bps | |
| Efficiency Ratio | 92.41% | 92.60% | 98.37% | 97.20% | 96.38% | 112.41% | 91.91% | 91.45% | -575 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | -5.33% | 1.45% | 3.99% | 4.05% | 5.76% | 8.99% | 5.37% | +137 bps | |
| Loan Growth (YoY) | 0.80% | 2.83% | 3.68% | 5.13% | 5.52% | 5.77% | 5.78% | 4.65% | -48 bps | |
| Share Growth (YoY) | 1.76% | 1.74% | 1.39% | 5.80% | 3.11% | 7.76% | 11.37% | 7.20% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.29% | 1.06% | 1.54% | 3.15% | 3.09% | 2.78% | 1.77% | +24 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 | 15.25% | 15.32% | 14.70% | 14.43% | 15.94% | 13.51% | 12.68% | 12.96% | -146 bps | |
| Net Worth / Assets | 15.25% | 15.32% | 14.70% | 14.43% | 15.94% | 13.51% | 12.68% | 12.96% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.79% | 105.25% | 100.11% | 101.17% | 106.21% | 103.31% | 95.08% | 98.76% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Wayne, IN · Charter 620 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.49%
Rank 1,152 of 1,683
Net Interest Margin
4.93%
Rank 159 of 1,683
Efficiency Ratio
91.41%
Rank 1,423 of 1,682
Equity / Assets
12.96%
Rank 827 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,152 / 1,683 | ||
| Return on Equity | 3.75% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,123 / 1,681 | ||
| Net Interest Margin | 4.93% | 3.31% | 3.82% | 4.32% | Beats 91% | 159 / 1,683 | ||
| Efficiency Ratio | 91.41% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,423 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.77% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,405 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.96% | 10.44% | 12.89% | 16.53% | Beats 51% | 827 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.96% | 10.44% | 12.89% | 16.53% | Beats 51% | 827 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.76% | 52.61% | 69.38% | 83.50% | 96th pctl | 68 / 1,683 | ||
| Loans / Assets | 85.45% | 44.71% | 59.18% | 70.72% | 98th pctl | 36 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||