Madison, IN · Charter 12152
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.86% | -0.93% | -0.93% | -1.01% | -0.92% | -6 bps | |
| Return on Equity | -4.71% | -5.13% | -5.25% | -5.85% | -5.43% | -73 bps | |
| Net Interest Margin | 3.01% | 2.95% | 2.90% | 2.80% | 2.84% | -17 bps | |
| Efficiency Ratio | 82.23% | 96.75% | 99.32% | 108.13% | 97.59% | +1,536 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.28% | -3.43% | 1.08% | 2.15% | 2.57% | +485 bps | |
| Loan Growth (YoY) | -18.94% | -27.72% | -18.31% | -19.12% | -13.14% | +580 bps | |
| Share Growth (YoY) | -2.89% | -4.46% | 2.71% | 3.44% | 4.19% | +708 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.09% | 0.04% | 0.00% | 0.00% | -33 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.37% | 18.08% | 17.63% | 17.22% | 16.95% | -142 bps | |
| Net Worth / Assets | 18.37% | 18.08% | 17.63% | 17.22% | 16.95% | -142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.85% | 75.65% | 74.00% | 68.47% | 69.07% | -1,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |