Hammond, IN · Charter 1457
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 | 0.35% | 0.34% | 1.42% | -0.01% | 0.10% | -25 bps | |
| Return on Equity | 3.02% | 3.03% | 12.14% | -0.09% | 0.82% | -220 bps | |
| Net Interest Margin | 4.08% | 4.09% | 5.35% | 4.13% | 4.17% | +9 bps | |
| Efficiency Ratio | 92.15% | 91.85% | 76.51% | 100.19% | 98.19% | +603 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.02% | -0.22% | 0.04% | -0.36% | -0.54% | +348 bps | |
| Loan Growth (YoY) | -8.70% | -10.87% | -10.39% | -13.40% | -12.99% | -428 bps | |
| Share Growth (YoY) | -2.78% | -0.44% | -0.38% | -0.70% | -0.76% | +202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.35% | 1.93% | 2.54% | 2.55% | 3.04% | +168 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 | 11.44% | 11.33% | 11.68% | 11.37% | 11.63% | +19 bps | |
| Net Worth / Assets | 11.44% | 11.33% | 11.68% | 11.37% | 11.63% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.06% | 31.96% | 31.99% | 29.77% | 29.86% | -419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |