Michigan City, IN · Charter 68596
NCUA · 4 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
30
Asset Quality
18
Profitability
68
Liquidity
51
Efficiency
87
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 68596
NCUA · 4 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 | 1.14% | 1.31% | 1.42% | 1.56% | 1.62% | 1.71% | 1.25% | 1.30% | -26 bps | |
| Return on Equity | 9.63% | 10.86% | 11.78% | 12.43% | 12.45% | 12.91% | 9.62% | 9.68% | -275 bps | |
| Net Interest Margin | 2.68% | 2.81% | 3.17% | 3.31% | 3.37% | 3.39% | 3.26% | 3.32% | +2 bps | |
| Efficiency Ratio | 72.22% | 68.38% | 65.93% | 62.71% | 62.26% | 60.83% | 63.68% | 61.71% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 9.70% | 9.00% | 7.73% | 4.52% | 4.65% | 5.53% | 5.91% | -181 bps | |
| Loan Growth (YoY) | 5.11% | 4.36% | 4.78% | 3.39% | 1.43% | 2.46% | 5.95% | 7.69% | +430 bps | |
| Share Growth (YoY) | 2.62% | 9.18% | 8.44% | 6.81% | 3.10% | 3.23% | 4.33% | 4.89% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.25% | 0.17% | 0.32% | 1.71% | 1.28% | 1.12% | 3.08% | +276 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 | 11.87% | 12.09% | 12.05% | 12.58% | 13.03% | 13.26% | 13.03% | 13.44% | +86 bps | |
| Net Worth / Assets | 11.87% | 12.09% | 12.05% | 12.58% | 13.03% | 13.26% | 13.03% | 13.44% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.32% | 31.97% | 30.47% | 31.31% | 31.80% | 31.73% | 30.94% | 32.14% | +84 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 68596 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
Return on Assets
1.30%
Rank 17 of 96
Net Interest Margin
3.32%
Rank 60 of 96
Efficiency Ratio
61.71%
Rank 13 of 96
Equity / Assets
13.44%
Rank 67 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | -0.02% | 0.42% | 1.03% | Beats 82% | 17 / 96 | ||
| Return on Equity | 9.68% | -0.11% | 2.94% | 6.89% | Beats 85% | 14 / 95 | ||
| Net Interest Margin | 3.32% | 3.01% | 3.57% | 4.27% | Beats 38% | 60 / 96 | ||
| Efficiency Ratio | 61.71% | 73.45% | 82.91% | 96.61% | Beats 87% | 13 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.08% | 0.08% | 0.86% | 1.63% | Beats 18% | 77 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.44% | 11.79% | 15.23% | 18.93% | Beats 30% | 67 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.44% | 11.79% | 15.23% | 18.93% | Beats 30% | 67 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.14% | 32.14% | 50.03% | 67.81% | 25th pctl | 72 / 96 | ||
| Loans / Assets | 27.74% | 23.12% | 42.50% | 56.24% | 30th pctl | 67 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||