Portland, IN · Charter 7002
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
68
Asset Quality
89
Profitability
88
Liquidity
51
Efficiency
93
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.
Portland, IN · Charter 7002
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 | 2.13% | 2.12% | 2.04% | 2.17% | 2.16% | 2.30% | 2.09% | 2.37% | +20 bps | |
| Return on Equity | 16.32% | 15.80% | 15.82% | 15.89% | 15.24% | 15.55% | 14.68% | 15.65% | -24 bps | |
| Net Interest Margin | 4.16% | 4.15% | 3.79% | 3.99% | 3.97% | 4.09% | 3.94% | 4.16% | +17 bps | |
| Efficiency Ratio | 59.19% | 58.39% | 57.04% | 55.31% | 55.64% | 54.17% | 56.83% | 54.45% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | 2.76% | 6.37% | 4.47% | 8.14% | 7.30% | 6.72% | 6.50% | +203 bps | |
| Loan Growth (YoY) | 10.33% | 8.64% | 6.45% | 8.40% | 8.48% | 9.10% | 7.69% | 6.33% | -207 bps | |
| Share Growth (YoY) | 2.42% | 1.51% | 5.87% | 3.46% | 6.72% | 5.42% | 4.79% | 4.54% | +107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.29% | 0.04% | 0.15% | 0.06% | 0.05% | 0.21% | 0.05% | -10 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 | 13.05% | 13.41% | 12.89% | 13.64% | 14.17% | 14.77% | 14.23% | 15.12% | +148 bps | |
| Net Worth / Assets | 13.05% | 13.41% | 12.89% | 13.64% | 14.17% | 14.77% | 14.23% | 15.12% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.41% | 53.89% | 50.12% | 53.49% | 55.30% | 55.77% | 51.51% | 54.40% | +92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, IN · Charter 7002 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
2.37%
Rank 40 of 1,683
Net Interest Margin
4.16%
Rank 547 of 1,683
Efficiency Ratio
54.44%
Rank 111 of 1,682
Equity / Assets
15.12%
Rank 542 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.35% | 0.74% | 1.18% | Beats 98% | 40 / 1,683 | ||
| Return on Equity | 15.65% | 2.67% | 5.89% | 8.74% | Beats 98% | 37 / 1,681 | ||
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 547 / 1,683 | ||
| Efficiency Ratio | 54.44% | 68.91% | 78.20% | 86.93% | Beats 93% | 111 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 186 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.12% | 10.44% | 12.89% | 16.53% | Beats 68% | 542 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.12% | 10.44% | 12.89% | 16.53% | Beats 68% | 542 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.40% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,225 / 1,683 | ||
| Loans / Assets | 45.92% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,234 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||