Kokomo, IN · Charter 16213
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 | 0.59% | 0.53% | 0.39% | 1.11% | 0.96% | +37 bps | |
| Return on Equity | 4.89% | 4.42% | 3.22% | 9.24% | 7.69% | +280 bps | |
| Net Interest Margin | 3.68% | 3.68% | 3.75% | 3.68% | 3.80% | +12 bps | |
| Efficiency Ratio | 84.17% | 85.45% | 86.85% | 79.72% | 82.95% | -123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.75% | 3.70% | 1.49% | -0.04% | 0.49% | -227 bps | |
| Loan Growth (YoY) | -4.22% | -1.94% | -2.45% | -1.26% | -3.33% | +89 bps | |
| Share Growth (YoY) | 3.61% | 4.83% | 1.54% | -0.76% | -0.30% | -391 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.02% | 0.96% | 0.78% | 0.85% | -24 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 | 11.98% | 12.11% | 12.17% | 12.02% | 12.48% | +50 bps | |
| Net Worth / Assets | 11.98% | 12.11% | 12.17% | 12.02% | 12.48% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.52% | 74.00% | 73.35% | 69.89% | 71.28% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |