PackageTrendsPeer
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Financial Builders

Kokomo, IN · Charter 16213

NCUA · 1 branch

Q2 2026

$151.5MAssets
$93.6MLoans
$131.3MShares
$18.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.96%, up 37 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.85% of loans (-24 bps YoY).
  • Capital: net worth / assets of 12.48%, up 50 bps from a year ago.
  • Funding: loans stand at 71.28% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.96%+37 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+12 bps YoY

Efficiency Ratio (quarter, annualized)

82.95%-123 bps YoY

Net Worth / Assets

12.48%+50 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.23%0.59%0.59%0.53%0.39%1.11%0.96%+37 bps
Return on Equity6.22%1.90%5.10%4.89%4.42%3.22%9.24%7.69%+280 bps
Net Interest Margin3.86%3.79%3.50%3.68%3.68%3.75%3.68%3.80%+12 bps
Efficiency Ratio78.93%85.29%86.00%84.17%85.45%86.85%79.72%82.95%-123 bps
Growth
Asset Growth (YoY)3.90%6.02%4.68%2.75%3.70%1.49%-0.04%0.49%-227 bps
Loan Growth (YoY)0.27%-2.76%-4.49%-4.22%-1.94%-2.45%-1.26%-3.33%+89 bps
Share Growth (YoY)3.59%6.83%5.73%3.61%4.83%1.54%-0.76%-0.30%-391 bps
Asset Quality
Delinquent Loans / Loans1.08%0.83%0.82%1.09%1.02%0.96%0.78%0.85%-24 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 Capital12.51%11.97%11.52%11.98%12.11%12.17%12.02%12.48%+50 bps
Net Worth / Assets12.51%11.97%11.52%11.98%12.11%12.17%12.02%12.48%+50 bps
Liquidity & Funding
Loans / Shares79.11%76.35%70.23%73.52%74.00%73.35%69.89%71.28%-224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps