Marion, IN · Charter 12153
NCUA · 3 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 | 0.31% | 0.21% | -0.38% | -0.16% | -0.46% | -78 bps | |
| Return on Equity | 2.69% | 1.73% | -3.24% | -1.36% | -4.16% | -685 bps | |
| Net Interest Margin | 3.71% | 3.87% | 3.95% | 3.80% | 3.86% | +15 bps | |
| Efficiency Ratio | 81.44% | 83.45% | 90.27% | 92.80% | 94.48% | +1,305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.82% | -2.83% | -3.09% | -4.25% | -1.55% | -237 bps | |
| Loan Growth (YoY) | -7.85% | -10.80% | -13.73% | -14.48% | -5.20% | +265 bps | |
| Share Growth (YoY) | -0.03% | -3.68% | -3.81% | -4.38% | -1.01% | -98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 1.45% | 1.67% | 1.48% | 1.49% | +54 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 | 11.63% | 12.10% | 11.67% | 11.54% | 11.16% | -46 bps | |
| Net Worth / Assets | 11.63% | 12.10% | 11.67% | 11.54% | 11.16% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.61% | 78.56% | 76.27% | 70.91% | 74.33% | -328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |