Linton, IN · Charter 12619
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.31% | 2.72% | 1.39% | 1.14% | 0.53% | -177 bps | |
| Return on Equity | 16.02% | 18.92% | 9.60% | 7.97% | 3.69% | -1,233 bps | |
| Net Interest Margin | 3.71% | 4.11% | 4.09% | 4.79% | 4.38% | +67 bps | |
| Efficiency Ratio | 38.02% | 33.96% | 66.07% | 76.17% | 87.84% | +4,982 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.71% | 2.52% | -2.18% | 2.45% | 1.55% | +425 bps | |
| Loan Growth (YoY) | -5.17% | -7.35% | 5.57% | 8.36% | -4.05% | +112 bps | |
| Share Growth (YoY) | -5.29% | 0.89% | -3.97% | 2.29% | 1.46% | +675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.86% | 0.72% | 0.24% | 0.23% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.77% | 0.73% | 0.73% | 0.81% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.40% | 14.37% | 14.50% | 14.33% | 14.48% | +7 bps | |
| Net Worth / Assets | 14.40% | 14.37% | 14.50% | 14.33% | 14.48% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.54% | 70.20% | 74.90% | 72.62% | 66.71% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |