Richmond, IN · Charter 14449
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 | 1.56% | 1.62% | 1.34% | 0.54% | 0.82% | -75 bps | |
| Return on Equity | 11.29% | 11.09% | 9.36% | 3.76% | 5.73% | -556 bps | |
| Net Interest Margin | 4.51% | 4.60% | 4.41% | 3.98% | 3.91% | -60 bps | |
| Efficiency Ratio | 63.87% | 68.65% | 72.77% | 87.80% | 81.37% | +1,751 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.18% | -3.26% | -3.05% | -2.19% | 3.54% | +471 bps | |
| Loan Growth (YoY) | 2.55% | 1.80% | 3.32% | -0.35% | -1.40% | -395 bps | |
| Share Growth (YoY) | -3.80% | -5.15% | -5.08% | -3.49% | 3.04% | +684 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.19% | 0.00% | 0.00% | 0 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 | 13.85% | 14.61% | 14.33% | 14.44% | 14.28% | +43 bps | |
| Net Worth / Assets | 13.85% | 14.61% | 14.33% | 14.44% | 14.28% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.45% | 44.60% | 43.53% | 42.67% | 41.57% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |