Clarksville, IN · Charter 9097
NCUA · 3 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 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
49
Asset Quality
49
Profitability
36
Liquidity
0
Efficiency
51
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.
Clarksville, IN · Charter 9097
NCUA · 3 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 | 0.37% | 0.59% | 0.52% | 0.50% | 0.71% | +34 bps | |
| Return on Equity | 3.03% | 4.69% | 4.17% | 3.98% | 5.54% | +251 bps | |
| Net Interest Margin | 2.69% | 2.78% | 2.81% | 2.86% | 2.97% | +27 bps | |
| Efficiency Ratio | 86.92% | 80.93% | 83.16% | 79.50% | 78.03% | -888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.12% | 2.16% | 2.08% | 2.13% | 1.33% | -79 bps | |
| Loan Growth (YoY) | -5.79% | -6.37% | -5.36% | -2.92% | -5.52% | +27 bps | |
| Share Growth (YoY) | 2.61% | 1.78% | 1.71% | 1.97% | 1.25% | -135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.78% | 0.82% | 0.78% | 0.67% | +65 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 | 12.23% | 12.54% | 12.58% | 12.43% | 12.78% | +55 bps | |
| Net Worth / Assets | 12.23% | 12.54% | 12.58% | 12.43% | 12.78% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.72% | 40.91% | 40.41% | 39.36% | 38.00% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clarksville, IN · Charter 9097 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 869 of 1,683
Net Interest Margin
2.97%
Rank 1,468 of 1,683
Efficiency Ratio
78.00%
Rank 832 of 1,682
Equity / Assets
12.78%
Rank 861 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 869 / 1,683 | |
| Return on Equity | 5.55% | 2.67% | 5.89% | 8.74% | Beats 47% | 892 / 1,681 | |
| Net Interest Margin | 2.97% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,468 / 1,683 | |
| Efficiency Ratio | 78.00% | 68.91% | 78.20% | 86.93% | Beats 51% | 832 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.29% | Beats 49% | 856 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.78% | 10.44% | 12.89% | 16.53% | Beats 49% | 861 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.78% | 10.44% | 12.89% | 16.53% | Beats 49% | 861 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.00% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,518 / 1,683 | |
| Loans / Assets | 33.21% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,501 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||