PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clifty Creek Employees

Madison, IN · Charter 12152

NCUA · 2 branches

Q2 2026

$16.3MAssets
$9.3MLoans
$13.5MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.92%, down 6 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY).
  • Capital: net worth / assets of 16.95%, down 142 bps from a year ago.
  • Funding: loans stand at 69.07% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.92%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-17 bps YoY

Efficiency Ratio (YTD, annualized)

97.59%+1,536 bps YoY

Net Worth / Assets

16.95%-142 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.97%-1.77%-0.86%-0.93%-0.93%-1.01%-0.92%-6 bps
Return on Equity2.87%5.18%-9.64%-4.71%-5.13%-5.25%-5.85%-5.43%-73 bps
Net Interest Margin2.58%2.77%2.99%3.01%2.95%2.90%2.80%2.84%-17 bps
Efficiency Ratio80.80%65.93%75.25%82.23%96.75%99.32%108.13%97.59%+1,536 bps
Growth
Asset Growth (YoY)0.00%-2.01%-1.70%-2.28%-3.43%1.08%2.15%2.57%+485 bps
Loan Growth (YoY)0.00%-10.84%-16.48%-18.94%-27.72%-18.31%-19.12%-13.14%+580 bps
Share Growth (YoY)0.00%-3.57%-2.53%-2.89%-4.46%2.71%3.44%4.19%+708 bps
Asset Quality
Delinquent Loans / Loans0.01%1.24%1.20%0.33%0.09%0.04%0.00%0.00%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.11%18.77%18.35%18.37%18.08%17.63%17.22%16.95%-142 bps
Net Worth / Assets17.11%18.77%18.35%18.37%18.08%17.63%17.22%16.95%-142 bps
Liquidity & Funding
Loans / Shares99.99%93.04%87.57%82.85%75.65%74.00%68.47%69.07%-1,378 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps