Richmond, IN · Charter 65208
NCUA · 3 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
78
Asset Quality
28
Profitability
86
Liquidity
0
Efficiency
44
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.
Richmond, IN · Charter 65208
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 1.38% | 1.26% | 1.28% | 1.47% | +63 bps | |
| Return on Equity | 5.16% | 7.93% | 7.57% | 7.70% | 8.52% | +336 bps | |
| Net Interest Margin | 6.35% | 6.70% | 6.50% | 6.43% | 6.67% | +32 bps | |
| Efficiency Ratio | 81.94% | 77.40% | 76.36% | 80.40% | 80.22% | -171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | -2.73% | 0.77% | 0.04% | 1.41% | -41 bps | |
| Loan Growth (YoY) | 2.27% | 4.15% | 6.34% | 8.67% | 10.18% | +791 bps | |
| Share Growth (YoY) | -0.31% | -5.27% | -0.94% | -1.35% | 0.24% | +55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.12% | 1.08% | 1.15% | 1.18% | -7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.20% | 17.38% | 16.70% | 16.66% | 17.26% | +107 bps | |
| Net Worth / Assets | 16.20% | 17.38% | 16.70% | 16.66% | 17.26% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.62% | 93.46% | 90.35% | 89.80% | 94.11% | +849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richmond, IN · Charter 65208 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.47%
Rank 258 of 1,683
Net Interest Margin
6.67%
Rank 17 of 1,683
Efficiency Ratio
80.22%
Rank 946 of 1,682
Equity / Assets
17.26%
Rank 377 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 0.35% | 0.74% | 1.18% | Beats 85% | 258 / 1,683 | |
| Return on Equity | 8.52% | 2.67% | 5.89% | 8.74% | Beats 73% | 446 / 1,681 | |
| Net Interest Margin | 6.67% | 3.31% | 3.82% | 4.32% | Beats 99% | 17 / 1,683 | |
| Efficiency Ratio | 80.22% | 68.91% | 78.20% | 86.93% | Beats 44% | 946 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.18% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,216 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.26% | 10.44% | 12.89% | 16.53% | Beats 78% | 377 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.26% | 10.44% | 12.89% | 16.53% | Beats 78% | 377 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.11% | 52.61% | 69.38% | 83.50% | 92nd pctl | 132 / 1,683 | |
| Loans / Assets | 78.60% | 44.71% | 59.18% | 70.72% | 89th pctl | 177 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||