PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Regional

Winfield, IN · Charter 15072

NCUA · 4 branches

Q2 2026

$180.1MAssets
$132.4MLoans
$157.7MShares
$24.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.30%, down 37 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 1.07% of loans (+36 bps YoY).
  • Capital: net worth / assets of 13.55%, up 66 bps from a year ago.
  • Funding: loans stand at 83.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+16 bps YoY

Efficiency Ratio (YTD, annualized)

82.83%+528 bps YoY

Net Worth / Assets

13.55%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.72%0.58%0.20%0.30%-37 bps
Return on Equity5.16%5.46%4.40%1.56%2.20%-296 bps
Net Interest Margin3.99%4.13%4.07%4.03%4.15%+16 bps
Efficiency Ratio77.56%76.93%79.57%84.33%82.83%+528 bps
Growth
Asset Growth (YoY)1.54%1.88%2.43%-0.16%-2.10%-364 bps
Loan Growth (YoY)12.49%17.86%16.00%13.66%9.55%-295 bps
Share Growth (YoY)-0.22%1.09%1.28%-1.02%-2.18%-196 bps
Asset Quality
Delinquent Loans / Loans0.70%0.83%1.07%0.98%1.07%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.89%13.21%13.16%13.14%13.55%+66 bps
Net Worth / Assets12.89%13.21%13.16%13.14%13.55%+66 bps
Liquidity & Funding
Loans / Shares74.92%79.55%78.81%77.93%83.91%+899 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps