PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

H A L E

Indianapolis, IN · Charter 10778

NCUA · 1 branch

Q2 2026

$399KAssets
$153KLoans
$295KShares
$100KNet 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 4.12%, down 429 bps year over year; NIM at 5.60%.
  • Asset quality: problem loans at 0.00% of loans (-37 bps YoY).
  • Capital: net worth / assets of 25.15%, up 185 bps from a year ago.
  • Funding: loans stand at 51.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.12%-429 bps YoY

Net Interest Margin (YTD, annualized)

5.60%+241 bps YoY

Efficiency Ratio (YTD, annualized)

101.12%-1,338 bps YoY

Net Worth / Assets

25.15%+185 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets8.41%3.37%1.57%-1.07%4.12%-429 bps
Return on Equity36.09%14.99%7.15%-4.86%16.38%-1,971 bps
Net Interest Margin3.19%3.40%3.64%3.38%5.60%+241 bps
Efficiency Ratio114.49%147.82%152.06%136.87%101.12%-1,338 bps
Growth
Asset Growth (YoY)-40.14%-42.65%-11.09%-18.41%-10.93%+2,921 bps
Loan Growth (YoY)-60.33%-71.08%-36.47%-31.32%-29.27%+3,105 bps
Share Growth (YoY)-40.78%-42.64%-15.23%-20.75%-14.28%+2,651 bps
Asset Quality
Delinquent Loans / Loans0.37%0.46%0.00%0.00%0.00%-37 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 Capital23.29%22.45%21.88%22.14%25.15%+185 bps
Net Worth / Assets23.29%22.45%21.88%22.14%25.15%+185 bps
Liquidity & Funding
Loans / Shares62.75%47.23%54.93%52.83%51.77%-1,098 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps