Merrillville, IN · Charter 68562
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 in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
24
Profitability
64
Liquidity
58
Efficiency
55
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.
Merrillville, IN · Charter 68562
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 | 0.21% | 0.36% | 0.53% | 0.81% | 0.84% | +63 bps | |
| Return on Equity | 1.62% | 2.76% | 3.89% | 6.00% | 6.01% | +440 bps | |
| Net Interest Margin | 3.18% | 3.25% | 3.45% | 3.63% | 3.71% | +53 bps | |
| Efficiency Ratio | 86.46% | 83.49% | 81.93% | 82.11% | 78.50% | -796 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 0.92% | -0.51% | -0.30% | -0.74% | -184 bps | |
| Loan Growth (YoY) | -0.88% | -0.93% | -0.67% | -0.29% | 0.93% | +180 bps | |
| Share Growth (YoY) | 0.90% | 0.28% | -1.51% | -1.51% | -1.65% | -255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.86% | 2.70% | 1.47% | 1.83% | +130 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 | 13.02% | 13.11% | 13.58% | 13.53% | 13.96% | +94 bps | |
| Net Worth / Assets | 13.02% | 13.11% | 13.58% | 13.53% | 13.96% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.56% | 61.15% | 63.51% | 60.49% | 63.18% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Merrillville, IN · Charter 68562 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 3 branches
Q2 2026
Return on Assets
0.84%
Rank 31 of 96
Net Interest Margin
3.71%
Rank 44 of 96
Efficiency Ratio
78.49%
Rank 44 of 96
Equity / Assets
13.96%
Rank 59 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | -0.02% | 0.42% | 1.03% | Beats 68% | 31 / 96 | |
| Return on Equity | 6.01% | -0.11% | 2.94% | 6.89% | Beats 69% | 29 / 95 | |
| Net Interest Margin | 3.71% | 3.01% | 3.57% | 4.27% | Beats 54% | 44 / 96 | |
| Efficiency Ratio | 78.49% | 73.45% | 82.91% | 96.61% | Beats 55% | 44 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.83% | 0.08% | 0.86% | 1.63% | Beats 24% | 72 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.96% | 11.79% | 15.23% | 18.93% | Beats 39% | 59 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.96% | 11.79% | 15.23% | 18.93% | Beats 39% | 59 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.18% | 32.14% | 50.03% | 67.81% | 73rd pctl | 26 / 96 | |
| Loans / Assets | 54.15% | 23.12% | 42.50% | 56.24% | 73rd pctl | 26 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||