Indianapolis, IN · Charter 68584
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 Indianapolis-Carmel-Greenwood, IN area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
18
Profitability
18
Liquidity
32
Efficiency
6
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.
Indianapolis, IN · Charter 68584
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 | 0.44% | 0.29% | 0.38% | 0.35% | -1.24% | -168 bps | |
| Return on Equity | 4.60% | 3.05% | 3.96% | 3.63% | -13.27% | -1,787 bps | |
| Net Interest Margin | 4.17% | 4.18% | 4.21% | 4.01% | 4.18% | +1 bps | |
| Efficiency Ratio | 80.74% | 83.32% | 84.78% | 91.91% | 104.22% | +2,348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.69% | 0.70% | -0.79% | -3.04% | -4.08% | -239 bps | |
| Loan Growth (YoY) | -6.96% | -2.34% | 2.66% | -5.50% | -7.24% | -28 bps | |
| Share Growth (YoY) | -1.85% | 0.46% | -0.82% | -3.86% | -1.41% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 0.87% | 1.34% | 1.51% | 1.36% | +4 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 | 9.50% | 9.49% | 9.68% | 9.71% | 9.35% | -15 bps | |
| Net Worth / Assets | 9.50% | 9.49% | 9.68% | 9.71% | 9.35% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.92% | 55.53% | 57.37% | 53.16% | 50.73% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Indianapolis, IN · Charter 68584 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.24%
Rank 16 of 17
Net Interest Margin
4.18%
Rank 10 of 17
Efficiency Ratio
104.20%
Rank 17 of 17
Equity / Assets
9.35%
Rank 16 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.24% | 0.19% | 0.64% | 1.29% | Beats 6% | 16 / 17 | |
| Return on Equity | -13.26% | 1.18% | 4.37% | 6.83% | Beats 6% | 16 / 17 | |
| Net Interest Margin | 4.18% | 3.90% | 4.45% | 5.14% | Beats 41% | 10 / 17 | |
| Efficiency Ratio | 104.20% | 70.94% | 82.19% | 89.67% | Beats 6% | 17 / 17 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.36% | 0.25% | 0.67% | 1.07% | Beats 18% | 15 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.35% | 11.07% | 13.23% | 17.96% | Beats 6% | 16 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.35% | 11.07% | 13.23% | 17.96% | Beats 6% | 16 / 17 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.73% | 50.73% | 68.00% | 82.61% | 24th pctl | 13 / 17 | |
| Loans / Assets | 46.58% | 39.57% | 58.53% | 70.18% | 35th pctl | 11 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||