Terre Haute, IN · Charter 138
NCUA · 1 branch
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 | 2.19% | 1.69% | 1.58% | 1.20% | 1.24% | -94 bps | |
| Return on Equity | 21.01% | 15.72% | 14.17% | 10.85% | 11.08% | -993 bps | |
| Net Interest Margin | 4.28% | 4.36% | 4.39% | 4.27% | 4.29% | +1 bps | |
| Efficiency Ratio | 58.89% | 67.49% | 69.09% | 71.91% | 71.66% | +1,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 4.51% | 6.58% | 3.86% | 4.54% | +344 bps | |
| Loan Growth (YoY) | -2.03% | -2.39% | -5.04% | -4.51% | -8.52% | -649 bps | |
| Share Growth (YoY) | -0.84% | 3.00% | 5.09% | 2.37% | 3.64% | +448 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 1.75% | 2.55% | 1.58% | 1.98% | +30 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 | 10.41% | 10.77% | 11.14% | 11.05% | 11.23% | +82 bps | |
| Net Worth / Assets | 10.41% | 10.77% | 11.14% | 11.05% | 11.23% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.00% | 72.95% | 71.49% | 69.05% | 65.31% | -869 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |