Woodburn, IN · Charter 16619
NCUA · 2 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 | 0.42% | 0.53% | 0.88% | 0.91% | 1.01% | 1.10% | 0.76% | 0.95% | +3 bps | |
| Return on Equity | 4.79% | 6.02% | 9.81% | 9.82% | 10.83% | 11.45% | 7.81% | 9.38% | -43 bps | |
| Net Interest Margin | 2.84% | 2.86% | 3.16% | 3.28% | 3.24% | 3.28% | 3.40% | 3.49% | +21 bps | |
| Efficiency Ratio | 85.31% | 82.46% | 77.22% | 75.30% | 73.75% | 72.00% | 81.09% | 76.65% | +136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.95% | -0.29% | 2.94% | 3.10% | 6.39% | 4.32% | 3.18% | 3.84% | +74 bps | |
| Loan Growth (YoY) | 0.85% | -0.33% | -1.56% | 1.29% | -0.31% | 2.00% | 1.83% | 3.40% | +212 bps | |
| Share Growth (YoY) | -3.67% | -0.83% | 2.39% | 2.39% | 5.89% | 3.71% | 2.48% | 3.06% | +67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.86% | 0.80% | 0.87% | 0.87% | 0.76% | 0.79% | 1.20% | +33 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 | 8.86% | 8.85% | 8.97% | 9.31% | 9.30% | 9.58% | 9.77% | 10.10% | +79 bps | |
| Net Worth / Assets | 8.86% | 8.85% | 8.97% | 9.31% | 9.30% | 9.58% | 9.77% | 10.10% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.36% | 49.10% | 47.76% | 49.79% | 48.36% | 48.29% | 47.45% | 49.95% | +17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |