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Professional Police Officers

Indianapolis, IN · Charter 82769

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Professional Police Officers

Indianapolis, IN · Charter 82769

NCUA · 2 branches

Q2 2026

$58.7MAssets
$23.2MLoans
$49.8MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, up 19 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.78%, up 1 bps from a year ago.
  • Funding: loans stand at 46.68% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+15 bps YoY

Efficiency Ratio (YTD, annualized)

68.15%-91 bps YoY

Net Worth / Assets

14.78%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.84%0.61%0.86%0.84%0.72%0.76%1.05%+19 bps
Return on Equity5.59%5.45%4.06%5.82%5.66%4.86%5.17%7.09%+127 bps
Net Interest Margin2.83%2.84%2.68%2.79%2.82%2.88%2.85%2.94%+15 bps
Efficiency Ratio74.04%74.95%78.67%69.06%69.29%73.00%76.11%68.15%-91 bps
Growth
Asset Growth (YoY)0.58%3.08%5.61%9.88%10.58%8.06%7.29%5.70%-418 bps
Loan Growth (YoY)3.46%-1.37%-5.26%-5.82%-10.22%-6.06%-6.30%-8.17%-235 bps
Share Growth (YoY)0.11%2.69%5.61%10.93%11.32%8.50%7.58%5.65%-528 bps
Asset Quality
Delinquent Loans / Loans0.21%0.16%0.35%0.00%0.26%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.49%15.32%14.98%14.77%14.83%14.90%14.71%14.78%+1 bps
Net Worth / Assets15.49%15.32%14.98%14.77%14.83%14.90%14.71%14.78%+1 bps
Liquidity & Funding
Loans / Shares64.30%60.00%55.90%53.71%51.86%51.95%48.68%46.68%-702 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Professional Police Officers

Indianapolis, IN · Charter 82769 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)

NCUA · 2 branches

Q2 2026

$58.7MAssets
$23.2MLoans
$49.8MShares
$8.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 3 of 17).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 16 of 17).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.05%

Rank 7 of 17

Net Interest Margin

2.94%

Rank 16 of 17

Efficiency Ratio

68.17%

Rank 3 of 17

Equity / Assets

14.78%

Rank 7 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.19%0.64%1.29%Beats 59%7 / 17
Return on Equity7.09%1.18%4.37%6.83%Beats 76%4 / 17
Net Interest Margin2.94%3.90%4.45%5.14%Beats 6%16 / 17
Efficiency Ratio68.17%70.94%82.19%89.67%Beats 88%3 / 17
Asset Quality
Nonperforming Loans / Loans0.00%0.25%0.67%1.07%Beats 100%3 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.78%11.07%13.23%17.96%Beats 59%7 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.78%11.07%13.23%17.96%Beats 59%7 / 17
Liquidity & Funding
Loans / Deposits46.68%50.73%68.00%82.61%18th pctl14 / 17
Loans / Assets39.57%39.57%58.53%70.18%24th pctl13 / 17
Brokered Deposits / Depositsn/aNot reported for this institution