Seymour, IN · Charter 97063
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
82
Asset Quality
100
Profitability
80
Liquidity
41
Efficiency
66
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.
Seymour, IN · Charter 97063
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 | 1.55% | 1.41% | 1.48% | 1.55% | 1.28% | 1.29% | 1.52% | 1.43% | -12 bps | |
| Return on Equity | 9.16% | 8.03% | 8.63% | 8.49% | 7.08% | 6.93% | 8.41% | 7.80% | -69 bps | |
| Net Interest Margin | 4.61% | 4.73% | 4.74% | 4.72% | 4.50% | 4.65% | 5.10% | 4.88% | +16 bps | |
| Efficiency Ratio | 68.71% | 71.80% | 71.37% | 70.26% | 73.95% | 73.65% | 72.60% | 72.89% | +263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.24% | -4.18% | 1.01% | 0.82% | 0.23% | 1.95% | 1.65% | 6.40% | +558 bps | |
| Loan Growth (YoY) | -8.46% | -6.17% | -7.45% | -8.72% | -3.81% | 4.05% | 5.00% | 1.58% | +1,030 bps | |
| Share Growth (YoY) | -5.66% | -6.55% | -0.34% | -0.71% | -1.14% | 0.77% | 0.46% | 6.25% | +696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | -12 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 | 16.88% | 17.59% | 17.10% | 18.27% | 18.01% | 18.54% | 18.07% | 18.39% | +11 bps | |
| Net Worth / Assets | 16.88% | 17.59% | 17.10% | 18.27% | 18.01% | 18.54% | 18.07% | 18.39% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.15% | 89.13% | 79.25% | 86.62% | 84.79% | 92.03% | 82.83% | 82.81% | -381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seymour, IN · Charter 97063 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.43%
Rank 279 of 1,683
Net Interest Margin
4.89%
Rank 170 of 1,683
Efficiency Ratio
72.76%
Rank 577 of 1,682
Equity / Assets
18.39%
Rank 310 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.35% | 0.74% | 1.18% | Beats 83% | 279 / 1,683 | ||
| Return on Equity | 7.80% | 2.67% | 5.89% | 8.74% | Beats 68% | 540 / 1,681 | ||
| Net Interest Margin | 4.89% | 3.31% | 3.82% | 4.32% | Beats 90% | 170 / 1,683 | ||
| Efficiency Ratio | 72.76% | 68.91% | 78.20% | 86.93% | Beats 66% | 577 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 310 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 310 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.81% | 52.61% | 69.38% | 83.50% | 74th pctl | 432 / 1,683 | ||
| Loans / Assets | 67.58% | 44.71% | 59.18% | 70.72% | 68th pctl | 538 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||