PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lakes

Monticello, IN · Charter 10772

NCUA · 1 branch

Q2 2026

$28.0MAssets
$15.5MLoans
$23.7MShares
$4.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.04%, down 101 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.92% of loans (+71 bps YoY).
  • Capital: net worth / assets of 15.19%, up 88 bps from a year ago.
  • Funding: loans stand at 65.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.04%-101 bps YoY

Net Interest Margin (quarter, annualized)

3.99%-52 bps YoY

Efficiency Ratio (quarter, annualized)

63.33%+233 bps YoY

Net Worth / Assets

15.19%+88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%2.05%2.07%0.50%1.04%-101 bps
Return on Equity14.31%13.55%13.37%3.35%6.82%-749 bps
Net Interest Margin4.51%4.55%4.50%4.01%3.99%-52 bps
Efficiency Ratio61.00%62.01%61.15%59.43%63.33%+233 bps
Growth
Asset Growth (YoY)2.73%0.12%0.06%3.59%7.05%+432 bps
Loan Growth (YoY)21.15%11.16%5.35%1.54%-2.62%-2,377 bps
Share Growth (YoY)0.94%-1.96%-2.14%1.95%6.10%+516 bps
Asset Quality
Delinquent Loans / Loans0.22%0.60%0.09%0.82%0.92%+71 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.31%15.14%15.45%15.01%15.19%+88 bps
Net Worth / Assets14.31%15.14%15.45%15.01%15.19%+88 bps
Liquidity & Funding
Loans / Shares71.33%74.01%72.16%66.75%65.46%-587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps