South Bend, IN · Charter 13279
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.06% | 0.70% | 0.94% | 1.03% | 1.13% | 1.19% | 1.29% | +35 bps | |
| Return on Equity | 4.28% | 4.39% | 3.01% | 4.04% | 4.46% | 4.83% | 5.18% | 5.44% | +140 bps | |
| Net Interest Margin | 2.67% | 2.62% | 2.39% | 2.54% | 2.60% | 2.70% | 2.84% | 2.91% | +37 bps | |
| Efficiency Ratio | 70.38% | 69.47% | 77.83% | 71.71% | 69.52% | 67.70% | 66.83% | 65.38% | -633 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | 6.20% | 10.22% | 11.06% | 11.40% | 8.75% | 6.36% | 3.97% | -709 bps | |
| Loan Growth (YoY) | -5.03% | -6.14% | -5.93% | -2.65% | -0.59% | 1.71% | 2.48% | -1.22% | +144 bps | |
| Share Growth (YoY) | 0.37% | 6.73% | 12.10% | 13.36% | 13.65% | 9.90% | 6.60% | 3.36% | -1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 0.75% | 1.34% | 1.65% | 1.81% | 2.50% | 1.75% | 1.07% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.53% | 24.14% | 23.18% | 23.19% | 23.06% | 23.33% | 23.03% | 23.61% | +42 bps | |
| Net Worth / Assets | 24.53% | 24.14% | 23.18% | 23.19% | 23.06% | 23.33% | 23.03% | 23.61% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.07% | 83.87% | 77.22% | 79.57% | 77.92% | 77.62% | 74.24% | 76.04% | -352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |