Terre Haute, IN · Charter 8925
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
89
Asset Quality
51
Profitability
69
Liquidity
85
Efficiency
87
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.
Terre Haute, IN · Charter 8925
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 | 2.73% | 2.66% | 2.22% | 1.19% | 1.31% | -142 bps | |
| Return on Equity | 12.94% | 12.30% | 10.57% | 5.89% | 6.28% | -666 bps | |
| Net Interest Margin | 4.74% | 4.76% | 4.54% | 4.11% | 4.27% | -48 bps | |
| Efficiency Ratio | 53.24% | 54.20% | 54.99% | 60.61% | 61.44% | +821 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.18% | 4.77% | 7.67% | 1.94% | 9.19% | +500 bps | |
| Loan Growth (YoY) | -2.13% | -1.27% | 0.65% | 0.03% | 2.35% | +448 bps | |
| Share Growth (YoY) | 1.85% | 2.86% | 6.65% | 0.53% | 9.79% | +794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 1.59% | 1.92% | 1.47% | 0.64% | -154 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 | 21.07% | 21.64% | 21.05% | 20.17% | 20.81% | -26 bps | |
| Net Worth / Assets | 21.07% | 21.64% | 21.05% | 20.17% | 20.81% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.97% | 78.38% | 74.66% | 69.60% | 72.68% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Terre Haute, IN · Charter 8925 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.31%
Rank 343 of 1,683
Net Interest Margin
4.26%
Rank 456 of 1,683
Efficiency Ratio
61.50%
Rank 212 of 1,682
Equity / Assets
20.81%
Rank 193 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 343 / 1,683 | |
| Return on Equity | 6.28% | 2.67% | 5.89% | 8.74% | Beats 54% | 773 / 1,681 | |
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 456 / 1,683 | |
| Efficiency Ratio | 61.50% | 68.91% | 78.20% | 86.93% | Beats 87% | 212 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.26% | 0.65% | 1.29% | Beats 51% | 833 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.81% | 10.44% | 12.89% | 16.53% | Beats 89% | 193 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.81% | 10.44% | 12.89% | 16.53% | Beats 89% | 193 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.68% | 52.61% | 69.38% | 83.50% | 56th pctl | 736 / 1,683 | |
| Loans / Assets | 57.73% | 44.71% | 59.18% | 70.72% | 47th pctl | 889 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||