Indianapolis, IN · Charter 97052
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 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.
Capital
41
Asset Quality
71
Profitability
33
Liquidity
0
Efficiency
59
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.
Indianapolis, IN · Charter 97052
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 | 0.59% | 0.63% | 0.76% | 0.67% | 0.75% | 0.75% | 0.51% | 0.55% | -12 bps | |
| Return on Equity | 4.93% | 5.25% | 6.42% | 5.56% | 6.01% | 5.93% | 4.18% | 4.37% | -119 bps | |
| Net Interest Margin | 3.13% | 3.09% | 3.15% | 3.21% | 3.32% | 3.31% | 3.22% | 3.33% | +12 bps | |
| Efficiency Ratio | 80.08% | 79.38% | 74.05% | 77.66% | 75.71% | 77.68% | 78.78% | 80.38% | +272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 4.71% | 5.53% | 5.46% | 2.99% | 0.90% | 2.55% | 1.09% | -436 bps | |
| Loan Growth (YoY) | 0.06% | -3.54% | -4.27% | -6.35% | -7.06% | -11.38% | -12.37% | -10.14% | -379 bps | |
| Share Growth (YoY) | 0.66% | 4.64% | 5.48% | 5.28% | 2.57% | 0.07% | 2.07% | 0.45% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.19% | 0.15% | 0.27% | 0.31% | 0.33% | 0.27% | 0.27% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.08% | 11.97% | 11.87% | 12.04% | 12.48% | 12.61% | 12.23% | 12.58% | +54 bps | |
| Net Worth / Assets | 12.08% | 11.97% | 11.87% | 12.04% | 12.48% | 12.61% | 12.23% | 12.58% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.72% | 44.38% | 42.34% | 40.86% | 41.43% | 39.30% | 36.35% | 36.55% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Indianapolis, IN · Charter 97052 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)
NCUA · 1 branch
Q2 2026
Return on Assets
0.55%
Rank 10 of 17
Net Interest Margin
3.33%
Rank 15 of 17
Efficiency Ratio
80.45%
Rank 8 of 17
Equity / Assets
12.58%
Rank 10 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.19% | 0.64% | 1.29% | Beats 41% | 10 / 17 | ||
| Return on Equity | 4.37% | 1.18% | 4.37% | 6.83% | Beats 47% | 9 / 17 | ||
| Net Interest Margin | 3.33% | 3.90% | 4.45% | 5.14% | Beats 12% | 15 / 17 | ||
| Efficiency Ratio | 80.45% | 70.94% | 82.19% | 89.67% | Beats 59% | 8 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.25% | 0.67% | 1.07% | Beats 71% | 6 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.58% | 11.07% | 13.23% | 17.96% | Beats 41% | 10 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.58% | 11.07% | 13.23% | 17.96% | Beats 41% | 10 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.55% | 50.73% | 68.00% | 82.61% | 6th pctl | 16 / 17 | ||
| Loans / Assets | 31.89% | 39.57% | 58.53% | 70.18% | 12th pctl | 15 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||