New Castle, IN · Charter 7066
NCUA · 1 branch
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
56
Asset Quality
32
Profitability
88
Liquidity
49
Efficiency
80
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.
New Castle, IN · Charter 7066
NCUA · 1 branch
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 | 1.69% | 1.58% | 1.89% | 1.67% | 1.72% | +2 bps | |
| Return on Equity | 13.96% | 12.73% | 14.32% | 13.04% | 12.74% | -122 bps | |
| Net Interest Margin | 4.46% | 4.47% | 4.66% | 4.28% | 4.41% | -6 bps | |
| Efficiency Ratio | 66.79% | 64.90% | 63.66% | 65.73% | 66.20% | -59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.95% | 9.23% | 4.50% | 6.37% | 4.14% | -381 bps | |
| Loan Growth (YoY) | -2.41% | -4.78% | 8.77% | 8.70% | -4.71% | -230 bps | |
| Share Growth (YoY) | 6.75% | 8.14% | 2.90% | 5.06% | 2.60% | -415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.65% | 0.82% | 1.08% | 1.05% | +62 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 | 12.14% | 12.44% | 13.23% | 12.82% | 13.49% | +135 bps | |
| Net Worth / Assets | 12.14% | 12.44% | 13.23% | 12.82% | 13.49% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.70% | 55.01% | 61.26% | 54.48% | 53.59% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Castle, IN · Charter 7066 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.72%
Rank 159 of 1,683
Net Interest Margin
4.41%
Rank 376 of 1,683
Efficiency Ratio
66.24%
Rank 335 of 1,682
Equity / Assets
13.49%
Rank 748 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 0.35% | 0.74% | 1.18% | Beats 91% | 159 / 1,683 | |
| Return on Equity | 12.73% | 2.67% | 5.89% | 8.74% | Beats 94% | 104 / 1,681 | |
| Net Interest Margin | 4.41% | 3.31% | 3.82% | 4.32% | Beats 78% | 376 / 1,683 | |
| Efficiency Ratio | 66.24% | 68.91% | 78.20% | 86.93% | Beats 80% | 335 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,152 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 56% | 748 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 56% | 748 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.59% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,243 / 1,683 | |
| Loans / Assets | 46.14% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,223 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||