Bloomington, IN · Charter 68577
NCUA · 8 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
51
Profitability
52
Liquidity
99
Efficiency
78
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.
Bloomington, IN · Charter 68577
NCUA · 8 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 | 0.84% | 0.88% | 0.95% | 0.98% | 0.98% | 0.94% | 1.01% | 1.06% | +8 bps | |
| Return on Equity | 6.97% | 7.09% | 7.97% | 8.16% | 8.16% | 7.87% | 8.64% | 9.00% | +85 bps | |
| Net Interest Margin | 2.37% | 2.45% | 2.54% | 2.59% | 2.61% | 2.64% | 2.81% | 2.82% | +23 bps | |
| Efficiency Ratio | 70.92% | 69.54% | 68.96% | 66.69% | 65.58% | 65.88% | 66.39% | 64.05% | -264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 5.26% | 5.95% | 9.50% | 9.17% | 12.22% | 10.58% | 10.45% | +95 bps | |
| Loan Growth (YoY) | 9.18% | 8.82% | 8.95% | 8.92% | 7.53% | 7.69% | 8.64% | 10.17% | +125 bps | |
| Share Growth (YoY) | 9.59% | 12.79% | 15.04% | 16.27% | 14.14% | 13.06% | 11.21% | 11.15% | -512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.65% | 0.62% | 0.66% | 0.65% | 0.74% | 0.70% | 0.67% | +2 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 | 12.09% | 12.40% | 11.96% | 12.01% | 11.97% | 11.94% | 11.71% | 11.80% | -20 bps | |
| Net Worth / Assets | 12.09% | 12.40% | 11.96% | 12.01% | 11.97% | 11.94% | 11.71% | 11.80% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.69% | 93.13% | 88.26% | 89.30% | 88.26% | 88.71% | 86.22% | 88.51% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, IN · Charter 68577 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
1.06%
Rank 128 of 435
Net Interest Margin
2.82%
Rank 367 of 435
Efficiency Ratio
64.04%
Rank 98 of 435
Equity / Assets
11.80%
Rank 151 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.55% | 0.81% | 1.14% | Beats 71% | 128 / 435 | ||
| Return on Equity | 9.00% | 5.12% | 7.41% | 9.70% | Beats 69% | 135 / 435 | ||
| Net Interest Margin | 2.82% | 3.01% | 3.39% | 3.75% | Beats 16% | 367 / 435 | ||
| Efficiency Ratio | 64.04% | 65.25% | 71.39% | 77.86% | Beats 78% | 98 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.45% | 0.69% | 1.05% | Beats 51% | 213 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.80% | 9.81% | 10.84% | 12.63% | Beats 65% | 151 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.80% | 9.81% | 10.84% | 12.63% | Beats 65% | 151 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.51% | 78.33% | 88.38% | 95.61% | 50th pctl | 216 / 435 | ||
| Loans / Assets | 75.41% | 67.69% | 74.58% | 80.80% | 54th pctl | 202 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||