Monticello, IN · Charter 10772
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 | 1.66% | 3.22% | 1.95% | 2.05% | 2.05% | 2.07% | 0.50% | 1.04% | -101 bps | |
| Return on Equity | 12.57% | 23.95% | 14.41% | 14.31% | 13.55% | 13.37% | 3.35% | 6.82% | -749 bps | |
| Net Interest Margin | 4.28% | 4.35% | 4.36% | 4.51% | 4.55% | 4.50% | 4.01% | 3.99% | -52 bps | |
| Efficiency Ratio | 61.70% | 48.24% | 62.27% | 61.00% | 62.01% | 61.15% | 59.43% | 63.33% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 3.78% | 5.30% | 2.73% | 0.12% | 0.06% | 3.59% | 7.05% | +432 bps | |
| Loan Growth (YoY) | 23.72% | 21.98% | 23.64% | 21.15% | 11.16% | 5.35% | 1.54% | -2.62% | -2,377 bps | |
| Share Growth (YoY) | 0.26% | 2.49% | 4.08% | 0.94% | -1.96% | -2.14% | 1.95% | 6.10% | +516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 1.22% | 0.33% | 0.22% | 0.60% | 0.09% | 0.82% | 0.92% | +71 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 | 13.23% | 13.42% | 13.54% | 14.31% | 15.14% | 15.45% | 15.01% | 15.19% | +88 bps | |
| Net Worth / Assets | 13.23% | 13.42% | 13.54% | 14.31% | 15.14% | 15.45% | 15.01% | 15.19% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.27% | 67.03% | 67.02% | 71.33% | 74.01% | 72.16% | 66.75% | 65.46% | -587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |