Lawrenceburg, IN · Charter 65493
NCUA · 1 branch
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
31
Profitability
24
Liquidity
44
Efficiency
19
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.
Lawrenceburg, IN · Charter 65493
NCUA · 1 branch
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 | -0.13% | 0.27% | 0.13% | 0.15% | 0.41% | +54 bps | |
| Return on Equity | -1.24% | 2.64% | 1.34% | 1.60% | 3.96% | +521 bps | |
| Net Interest Margin | 2.86% | 2.91% | 2.81% | 2.93% | 3.25% | +39 bps | |
| Efficiency Ratio | 94.47% | 87.49% | 91.07% | 94.33% | 89.32% | -515 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.00% | 3.91% | 6.76% | 14.61% | 3.96% | -104 bps | |
| Loan Growth (YoY) | -11.42% | -7.77% | -6.77% | -5.42% | -8.22% | +320 bps | |
| Share Growth (YoY) | 5.85% | 4.44% | 7.63% | 16.30% | 4.06% | -179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 3.66% | 2.58% | 2.72% | 2.03% | -59 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 | 10.61% | 10.32% | 9.80% | 9.43% | 10.40% | -21 bps | |
| Net Worth / Assets | 10.61% | 10.32% | 9.80% | 9.43% | 10.40% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.28% | 57.82% | 53.53% | 49.83% | 52.29% | -699 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawrenceburg, IN · Charter 65493 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
0.41%
Rank 20 of 26
Net Interest Margin
3.25%
Rank 21 of 26
Efficiency Ratio
89.42%
Rank 22 of 26
Equity / Assets
10.40%
Rank 19 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.41% | 0.79% | 1.34% | Beats 23% | 20 / 26 | |
| Return on Equity | 3.94% | 3.53% | 6.04% | 8.49% | Beats 31% | 18 / 26 | |
| Net Interest Margin | 3.25% | 3.25% | 4.11% | 4.64% | Beats 19% | 21 / 26 | |
| Efficiency Ratio | 89.42% | 71.52% | 75.99% | 84.12% | Beats 19% | 22 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.03% | 0.40% | 1.09% | 2.09% | Beats 31% | 19 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.40% | 10.31% | 12.73% | 15.29% | Beats 27% | 19 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.40% | 10.31% | 12.73% | 15.29% | Beats 27% | 19 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.28% | 51.92% | 65.22% | 76.21% | 27th pctl | 19 / 26 | |
| Loans / Assets | 46.59% | 44.32% | 54.77% | 68.75% | 31st pctl | 18 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||