Hammond, IN · Charter 82762
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 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
94
Asset Quality
32
Profitability
30
Liquidity
70
Efficiency
71
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.
Hammond, IN · Charter 82762
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 | 1.57% | 1.28% | 1.09% | -0.41% | 1.12% | 0.79% | 1.66% | 0.45% | +87 bps | |
| Return on Equity | 5.59% | 4.57% | 3.91% | -1.47% | 4.07% | 2.82% | 5.63% | 1.57% | +304 bps | |
| Net Interest Margin | 4.43% | 4.05% | 4.60% | 3.61% | 4.12% | 4.02% | 5.28% | 1.75% | -186 bps | |
| Efficiency Ratio | 64.66% | 68.33% | 76.28% | 111.47% | 72.78% | 80.37% | 68.66% | 74.00% | -3,747 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.49% | -3.89% | 1.88% | 3.56% | 4.27% | 3.31% | -1.78% | 1.14% | -242 bps | |
| Loan Growth (YoY) | 0.77% | -22.04% | -20.07% | -11.71% | -14.13% | 35.63% | 33.43% | 27.80% | +3,951 bps | |
| Share Growth (YoY) | -11.37% | -6.92% | 1.47% | 4.32% | 4.91% | 3.45% | -3.78% | -0.08% | -440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 2.04% | 3.50% | 2.60% | 2.93% | 1.55% | 1.51% | 1.41% | -119 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 | 12.09% | 12.81% | 13.86% | 13.35% | 14.08% | 9.45% | 10.38% | 10.44% | -290 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.01% | 28.05% | 27.95% | 28.07% | 27.56% | 27.94% | 29.41% | 28.93% | +87 bps | |
| Net Worth / Assets | 28.01% | 28.05% | 27.95% | 28.07% | 27.56% | 27.94% | 29.41% | 28.93% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.91% | 31.90% | 29.06% | 30.43% | 27.76% | 41.82% | 40.30% | 38.92% | +849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hammond, IN · Charter 82762 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
0.45%
Rank 46 of 96
Net Interest Margin
1.80%
Rank 91 of 96
Efficiency Ratio
75.00%
Rank 29 of 96
Equity / Assets
28.94%
Rank 6 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | -0.02% | 0.42% | 1.03% | Beats 52% | 46 / 96 | ||
| Return on Equity | 1.55% | -0.11% | 2.94% | 6.89% | Beats 33% | 64 / 95 | ||
| Net Interest Margin | 1.80% | 3.01% | 3.57% | 4.27% | Beats 5% | 91 / 96 | ||
| Efficiency Ratio | 75.00% | 73.45% | 82.91% | 96.61% | Beats 71% | 29 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.35% | 0.08% | 0.86% | 1.63% | Beats 32% | 64 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.94% | 11.79% | 15.23% | 18.93% | Beats 94% | 6 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 28.94% | 11.79% | 15.23% | 18.93% | Beats 94% | 6 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.97% | 32.14% | 50.03% | 67.81% | 30th pctl | 67 / 96 | ||
| Loans / Assets | 27.66% | 23.12% | 42.50% | 56.24% | 29th pctl | 68 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||