Muncie, IN · Charter 14163
NCUA · 2 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 | 0.52% | 0.55% | 0.60% | 0.58% | 0.52% | 0 bps | |
| Return on Equity | 5.16% | 5.30% | 5.74% | 5.67% | 5.13% | -3 bps | |
| Net Interest Margin | 3.56% | 3.69% | 3.70% | 3.58% | 3.58% | +2 bps | |
| Efficiency Ratio | 83.10% | 82.24% | 82.47% | 86.76% | 89.17% | +607 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.29% | 3.14% | 3.71% | 4.24% | 4.80% | +51 bps | |
| Loan Growth (YoY) | -9.85% | -4.30% | 15.40% | 12.88% | 4.81% | +1,466 bps | |
| Share Growth (YoY) | 4.10% | 2.85% | 3.41% | 4.00% | 4.64% | +53 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 1.64% | 0.97% | 0.78% | 0.94% | -109 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 | 10.06% | 10.42% | 10.44% | 10.22% | 10.18% | +12 bps | |
| Net Worth / Assets | 10.06% | 10.42% | 10.44% | 10.22% | 10.18% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.03% | 44.33% | 51.28% | 46.63% | 43.10% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |