Peru, IN · Charter 1621
NCUA · 1 branch
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 | 3.33% | 3.44% | 3.83% | 4.04% | 4.07% | 3.94% | 3.49% | 3.54% | -49 bps | |
| Return on Equity | 12.45% | 12.44% | 13.06% | 13.15% | 12.72% | 12.24% | 10.87% | 10.65% | -250 bps | |
| Net Interest Margin | 5.98% | 6.08% | 6.49% | 6.70% | 6.81% | 6.64% | 6.25% | 6.36% | -33 bps | |
| Efficiency Ratio | 52.67% | 51.97% | 49.54% | 48.66% | 47.74% | 48.25% | 53.47% | 53.64% | +497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.60% | 6.54% | -0.74% | -2.28% | -4.15% | -2.10% | 3.51% | 3.79% | +607 bps | |
| Loan Growth (YoY) | -0.12% | -1.25% | 0.52% | 2.19% | 0.33% | 1.31% | -0.11% | -0.21% | -240 bps | |
| Share Growth (YoY) | 2.77% | 3.91% | -5.81% | -8.11% | -10.88% | -8.31% | -0.42% | 0.00% | +812 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.29% | 1.38% | 1.02% | 1.10% | 2.06% | 1.99% | 1.68% | +66 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 | 26.78% | 27.68% | 29.33% | 30.72% | 31.98% | 32.22% | 32.10% | 33.28% | +256 bps | |
| Net Worth / Assets | 26.78% | 27.68% | 29.33% | 30.72% | 31.98% | 32.22% | 32.10% | 33.28% | +256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.29% | 95.11% | 100.36% | 105.32% | 107.27% | 105.09% | 100.67% | 105.10% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |