Wabash, IN · Charter 82791
NCUA · 26 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
72
Profitability
25
Liquidity
95
Efficiency
24
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.
Wabash, IN · Charter 82791
NCUA · 26 branches
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 | 0.24% | 0.32% | 0.44% | 0.58% | 0.68% | +45 bps | |
| Return on Equity | 1.79% | 2.39% | 3.34% | 4.38% | 5.06% | +326 bps | |
| Net Interest Margin | 2.27% | 2.44% | 2.49% | 2.78% | 2.85% | +58 bps | |
| Efficiency Ratio | 88.66% | 87.18% | 84.14% | 80.00% | 78.03% | -1,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.49% | 11.34% | 15.78% | 15.23% | 2.67% | -1,182 bps | |
| Loan Growth (YoY) | 17.19% | 16.48% | 15.30% | 14.47% | 6.24% | -1,095 bps | |
| Share Growth (YoY) | 14.31% | 15.97% | 21.54% | 18.75% | 1.70% | -1,261 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.28% | 0.10% | 0.61% | 0.47% | +24 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 | 13.19% | 13.44% | 13.16% | 13.30% | 13.52% | +32 bps | |
| Net Worth / Assets | 13.19% | 13.44% | 13.16% | 13.30% | 13.52% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.28% | 86.26% | 82.96% | 82.46% | 89.09% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wabash, IN · Charter 82791 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
Return on Assets
0.68%
Rank 281 of 435
Net Interest Margin
2.85%
Rank 362 of 435
Efficiency Ratio
78.03%
Rank 332 of 435
Equity / Assets
13.52%
Rank 69 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.55% | 0.81% | 1.14% | Beats 35% | 281 / 435 | |
| Return on Equity | 5.06% | 5.12% | 7.41% | 9.70% | Beats 24% | 329 / 435 | |
| Net Interest Margin | 2.85% | 3.01% | 3.39% | 3.75% | Beats 17% | 362 / 435 | |
| Efficiency Ratio | 78.03% | 65.25% | 71.39% | 77.86% | Beats 24% | 332 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 72% | 122 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.52% | 9.81% | 10.84% | 12.63% | Beats 84% | 69 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.52% | 9.81% | 10.84% | 12.63% | Beats 84% | 69 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.09% | 78.33% | 88.38% | 95.61% | 53rd pctl | 204 / 435 | |
| Loans / Assets | 71.91% | 67.69% | 74.58% | 80.80% | 39th pctl | 266 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||