Evansville, IN · Charter 14135
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.44% | 0.60% | 0.59% | 0.79% | 0.88% | 1.21% | 0.83% | +24 bps | |
| Return on Equity | 3.68% | 3.49% | 4.88% | 4.68% | 6.11% | 6.77% | 9.46% | 6.44% | +176 bps | |
| Net Interest Margin | 3.74% | 3.88% | 4.06% | 3.93% | 4.08% | 4.04% | 3.87% | 3.63% | -29 bps | |
| Efficiency Ratio | 80.62% | 79.75% | 81.10% | 82.01% | 80.95% | 79.55% | 77.50% | 80.94% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 2.74% | 1.46% | 1.47% | 0.43% | 3.68% | 4.20% | 5.08% | +361 bps | |
| Loan Growth (YoY) | -12.45% | -13.08% | -11.93% | -10.27% | -6.49% | -4.58% | -5.03% | -4.52% | +575 bps | |
| Share Growth (YoY) | 3.86% | 2.62% | 1.16% | 1.13% | -0.34% | 3.09% | 3.10% | 4.53% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.95% | 0.74% | 0.87% | 0.70% | 0.82% | 0.86% | 0.72% | -15 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 | 12.34% | 12.62% | 12.32% | 12.58% | 12.94% | 13.02% | 12.79% | 12.93% | +35 bps | |
| Net Worth / Assets | 12.34% | 12.62% | 12.32% | 12.58% | 12.94% | 13.02% | 12.79% | 12.93% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.11% | 48.94% | 45.65% | 46.09% | 47.02% | 45.30% | 42.05% | 42.10% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |