Anderson, IN · Charter 15248
NCUA · 4 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 | 0.76% | 0.41% | 0.42% | 0.59% | 0.70% | 0.70% | -0.16% | 0.11% | -49 bps | |
| Return on Equity | 8.85% | 4.82% | 5.11% | 7.02% | 8.42% | 8.69% | -2.08% | 1.14% | -588 bps | |
| Net Interest Margin | 3.87% | 4.07% | 4.08% | 4.39% | 4.26% | 4.05% | 3.78% | 3.90% | -49 bps | |
| Efficiency Ratio | 80.42% | 84.66% | 85.63% | 81.52% | 79.16% | 79.14% | 90.94% | 89.63% | +811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.61% | 13.83% | 9.88% | 8.27% | 7.30% | 13.81% | 16.26% | 18.05% | +978 bps | |
| Loan Growth (YoY) | 10.10% | 9.45% | 10.37% | 20.12% | 25.56% | 32.44% | 26.96% | 19.09% | -102 bps | |
| Share Growth (YoY) | 6.02% | 12.76% | 13.70% | 12.85% | 11.78% | 11.77% | 16.26% | 16.74% | +388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.35% | 1.09% | 1.09% | 1.13% | 1.30% | 1.35% | 0.89% | -21 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 | 8.63% | 8.45% | 8.18% | 8.47% | 8.33% | 8.04% | 7.50% | 9.24% | +77 bps | |
| Net Worth / Assets | 8.63% | 8.45% | 8.18% | 8.47% | 8.33% | 8.04% | 7.50% | 9.24% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.14% | 74.61% | 74.55% | 87.44% | 86.65% | 88.40% | 81.41% | 89.21% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |