PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Howard County School Em

Kokomo, IN · Charter 16065

NCUA · 1 branch

Q2 2026

$31.4MAssets
$7.7MLoans
$25.6MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 35 bps year over year; NIM at 1.46%.
  • Asset quality: problem loans at 1.51% of loans (+142 bps YoY).
  • Capital: net worth / assets of 18.07%, up 228 bps from a year ago.
  • Funding: loans stand at 30.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%-35 bps YoY

Net Interest Margin (YTD, annualized)

1.46%-35 bps YoY

Efficiency Ratio (YTD, annualized)

79.32%+2,108 bps YoY

Net Worth / Assets

18.07%+228 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.22%-0.36%0.59%1.24%1.18%-0.94%0.24%-35 bps
Return on Equity2.16%1.49%-2.42%3.71%7.42%6.82%-5.43%1.33%-238 bps
Net Interest Margin1.46%1.35%1.64%1.81%2.56%2.47%0.25%1.46%-35 bps
Efficiency Ratio76.47%82.70%78.09%58.25%45.33%47.15%440%79.32%+2,108 bps
Growth
Asset Growth (YoY)-2.30%2.88%-0.04%-5.23%-5.18%-8.64%-3.82%-2.78%+245 bps
Loan Growth (YoY)-0.99%-7.81%-12.51%-16.40%-20.31%-18.32%-17.26%-14.93%+148 bps
Share Growth (YoY)-3.00%3.03%-0.15%-6.56%-7.08%-11.54%-6.67%-5.57%+98 bps
Asset Quality
Delinquent Loans / Loans0.08%1.60%0.20%0.09%2.35%2.59%1.25%1.51%+142 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.07%14.72%14.91%15.79%16.74%17.27%17.26%18.07%+228 bps
Net Worth / Assets15.07%14.72%14.91%15.79%16.74%17.27%17.26%18.07%+228 bps
Liquidity & Funding
Loans / Shares38.20%35.30%34.12%33.46%32.76%32.59%30.25%30.15%-331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps