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Family Horizons

Indianapolis, IN · Charter 64942

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Family Horizons

Indianapolis, IN · Charter 64942

NCUA · 2 branches

Q2 2026

$93.2MAssets
$63.8MLoans
$82.3MShares
$10.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 11 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.42% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.07%, down 8 bps from a year ago.
  • Funding: loans stand at 77.44% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.07%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+52 bps YoY

Efficiency Ratio (YTD, annualized)

90.28%-475 bps YoY

Net Worth / Assets

11.07%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.25%0.17%0.12%0.10%0.07%0.07%-11 bps
Return on Equity1.90%1.73%2.30%1.57%1.10%0.87%0.68%0.62%-95 bps
Net Interest Margin3.48%3.47%3.34%3.48%3.47%3.41%3.99%4.00%+52 bps
Efficiency Ratio91.14%89.43%92.01%95.04%94.90%95.65%91.27%90.28%-475 bps
Growth
Asset Growth (YoY)-0.35%1.78%-0.34%-1.71%-3.31%-4.22%-2.41%1.15%+286 bps
Loan Growth (YoY)-17.51%-17.85%-22.49%-27.41%-24.21%5.11%17.81%43.18%+7,059 bps
Share Growth (YoY)-0.66%2.01%5.75%4.52%2.82%1.55%-2.40%1.77%-275 bps
Asset Quality
Delinquent Loans / Loans0.53%0.67%0.38%0.57%0.48%0.35%0.33%0.42%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.76%10.62%10.68%11.15%11.26%11.19%10.99%11.07%-8 bps
Net Worth / Assets10.76%10.62%10.68%11.15%11.26%11.19%10.99%11.07%-8 bps
Liquidity & Funding
Loans / Shares74.30%69.14%58.36%55.05%54.77%71.57%70.43%77.44%+2,240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Family Horizons

Indianapolis, IN · Charter 64942 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)

NCUA · 2 branches

Q2 2026

$93.2MAssets
$63.8MLoans
$82.3MShares
$10.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 7 of 17).
  • Widest gap: return on equity trails 88% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 15 of 17).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.07%

Rank 15 of 17

Net Interest Margin

4.00%

Rank 12 of 17

Efficiency Ratio

90.28%

Rank 14 of 17

Equity / Assets

11.07%

Rank 13 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.07%0.19%0.64%1.29%Beats 12%15 / 17
Return on Equity0.62%1.18%4.37%6.83%Beats 12%15 / 17
Net Interest Margin4.00%3.90%4.45%5.14%Beats 29%12 / 17
Efficiency Ratio90.28%70.94%82.19%89.67%Beats 24%14 / 17
Asset Quality
Nonperforming Loans / Loans0.42%0.25%0.67%1.07%Beats 65%7 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.07%11.07%13.23%17.96%Beats 24%13 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.07%11.07%13.23%17.96%Beats 24%13 / 17
Liquidity & Funding
Loans / Deposits77.44%50.73%68.00%82.61%65th pctl6 / 17
Loans / Assets68.40%39.57%58.53%70.18%65th pctl6 / 17
Brokered Deposits / Depositsn/aNot reported for this institution