Hagerstown, IN · Charter 68719
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
49
Asset Quality
12
Profitability
63
Liquidity
5
Efficiency
39
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.
Hagerstown, IN · Charter 68719
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 | 0.20% | 0.30% | 0.21% | 0.55% | 0.69% | 0.79% | 0.76% | 0.90% | +35 bps | |
| Return on Equity | 1.70% | 2.58% | 1.89% | 4.82% | 5.78% | 6.49% | 6.27% | 7.06% | +224 bps | |
| Net Interest Margin | 3.23% | 3.27% | 3.16% | 3.45% | 3.65% | 3.73% | 4.01% | 4.16% | +71 bps | |
| Efficiency Ratio | 93.27% | 91.16% | 93.90% | 85.47% | 84.16% | 82.65% | 83.35% | 81.82% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | 0.45% | 4.33% | 4.70% | 2.61% | 3.19% | -1.34% | -3.24% | -795 bps | |
| Loan Growth (YoY) | -3.36% | -5.16% | -4.48% | -6.49% | -9.46% | -8.83% | -7.18% | -8.20% | -170 bps | |
| Share Growth (YoY) | -1.48% | -0.22% | 3.76% | 3.98% | 1.62% | 1.24% | -3.17% | -4.75% | -873 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 2.53% | 2.27% | 1.91% | 1.78% | 2.34% | 1.82% | 2.21% | +30 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 | 11.53% | 11.72% | 11.13% | 11.42% | 11.91% | 12.14% | 12.20% | 12.77% | +135 bps | |
| Net Worth / Assets | 11.53% | 11.72% | 11.13% | 11.42% | 11.91% | 12.14% | 12.20% | 12.77% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.83% | 45.50% | 42.10% | 41.74% | 41.72% | 40.98% | 40.36% | 40.23% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hagerstown, IN · Charter 68719 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.90%
Rank 679 of 1,683
Net Interest Margin
4.16%
Rank 545 of 1,683
Efficiency Ratio
81.84%
Rank 1,025 of 1,682
Equity / Assets
12.77%
Rank 863 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 60% | 679 / 1,683 | ||
| Return on Equity | 7.06% | 2.67% | 5.89% | 8.74% | Beats 62% | 646 / 1,681 | ||
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 545 / 1,683 | ||
| Efficiency Ratio | 81.84% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,025 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.21% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,476 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 863 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 863 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.23% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,494 / 1,683 | ||
| Loans / Assets | 35.48% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,458 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||