Michigan City, IN · Charter 68242
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
15
Asset Quality
26
Profitability
27
Liquidity
13
Efficiency
25
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.
Michigan City, IN · Charter 68242
NCUA · 3 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 | 0.14% | 0.14% | 0.11% | 0.20% | 0.27% | 0.30% | 0.39% | 0.44% | +25 bps | |
| Return on Equity | 1.48% | 1.48% | 1.21% | 2.14% | 2.91% | 3.25% | 4.27% | 4.68% | +254 bps | |
| Net Interest Margin | 2.46% | 2.54% | 2.61% | 2.67% | 2.74% | 2.74% | 2.82% | 2.91% | +24 bps | |
| Efficiency Ratio | 95.20% | 94.88% | 93.94% | 91.23% | 89.66% | 88.73% | 88.20% | 86.93% | -429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.72% | 1.42% | 3.86% | 8.33% | 5.04% | 6.16% | 4.00% | 1.13% | -720 bps | |
| Loan Growth (YoY) | 3.46% | 3.72% | 5.73% | -2.43% | -2.75% | 1.05% | -2.79% | -1.11% | +132 bps | |
| Share Growth (YoY) | -1.39% | 0.74% | 2.08% | 6.67% | 5.33% | 5.15% | 4.31% | 1.34% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.96% | 0.87% | 1.59% | 1.33% | 1.38% | 1.46% | 1.23% | -36 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 | 9.57% | 9.60% | 9.16% | 9.15% | 9.34% | 9.35% | 9.17% | 9.47% | +32 bps | |
| Net Worth / Assets | 9.57% | 9.60% | 9.16% | 9.15% | 9.34% | 9.35% | 9.17% | 9.47% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.28% | 47.10% | 44.77% | 43.82% | 44.57% | 45.27% | 41.72% | 42.76% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Michigan City, IN · Charter 68242 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.44%
Rank 1,189 of 1,683
Net Interest Margin
2.91%
Rank 1,495 of 1,683
Efficiency Ratio
86.93%
Rank 1,262 of 1,682
Equity / Assets
9.47%
Rank 1,430 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,189 / 1,683 | ||
| Return on Equity | 4.68% | 2.67% | 5.89% | 8.74% | Beats 41% | 988 / 1,681 | ||
| Net Interest Margin | 2.91% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,495 / 1,683 | ||
| Efficiency Ratio | 86.93% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,262 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,242 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.47% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,430 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.47% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,430 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.77% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,451 / 1,683 | ||
| Loans / Assets | 38.97% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,393 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||