Marion, IN · Charter 7392
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
79
Asset Quality
87
Profitability
39
Liquidity
82
Efficiency
54
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.
Marion, IN · Charter 7392
NCUA · 1 branch
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 | 1.02% | 0.99% | -0.13% | 0.64% | 0.78% | 0.88% | 1.62% | 0.69% | +6 bps | |
| Return on Equity | 5.53% | 5.50% | -0.78% | 3.52% | 4.31% | 4.82% | 8.94% | 3.94% | +42 bps | |
| Net Interest Margin | 4.04% | 3.82% | 3.34% | 4.00% | 3.92% | 3.92% | 3.62% | 3.56% | -44 bps | |
| Efficiency Ratio | 72.13% | 74.56% | 86.39% | 76.58% | 77.27% | 76.30% | 70.43% | 76.97% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.98% | 9.68% | 8.49% | 3.45% | 5.63% | 3.10% | 2.22% | 7.93% | +447 bps | |
| Loan Growth (YoY) | 6.87% | 5.81% | 0.81% | -3.63% | -6.30% | -9.63% | -6.51% | -5.25% | -162 bps | |
| Share Growth (YoY) | 8.86% | 10.98% | 9.94% | 3.46% | 5.76% | 2.67% | 0.99% | 8.48% | +502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 2.25% | 2.02% | 2.03% | 0.44% | 0.03% | 0.34% | 0.08% | -195 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 | 18.40% | 18.03% | 17.29% | 18.11% | 18.17% | 18.29% | 18.13% | 17.59% | -52 bps | |
| Net Worth / Assets | 18.40% | 18.03% | 17.29% | 18.11% | 18.17% | 18.29% | 18.13% | 17.59% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.96% | 77.84% | 70.80% | 73.11% | 70.84% | 68.51% | 65.54% | 63.86% | -925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marion, IN · Charter 7392 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 897 of 1,683
Net Interest Margin
3.56%
Rank 1,075 of 1,683
Efficiency Ratio
76.89%
Rank 771 of 1,682
Equity / Assets
17.59%
Rank 355 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 897 / 1,683 | ||
| Return on Equity | 3.92% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,105 / 1,681 | ||
| Net Interest Margin | 3.56% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,075 / 1,683 | ||
| Efficiency Ratio | 76.89% | 68.91% | 78.20% | 86.93% | Beats 54% | 771 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.26% | 0.65% | 1.29% | Beats 87% | 219 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.59% | 10.44% | 12.89% | 16.53% | Beats 79% | 355 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.59% | 10.44% | 12.89% | 16.53% | Beats 79% | 355 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.85% | 52.61% | 69.38% | 83.50% | 41st pctl | 1,000 / 1,683 | ||
| Loans / Assets | 52.40% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,042 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||