Newburgh, IN · Charter 16626
NCUA · 21 branches
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 | 0.74% | 0.75% | 0.77% | 0.83% | 0.93% | +19 bps | |
| Return on Equity | 6.35% | 6.31% | 6.43% | 7.04% | 7.53% | +118 bps | |
| Net Interest Margin | 3.21% | 3.25% | 3.27% | 3.30% | 3.44% | +23 bps | |
| Efficiency Ratio | 80.28% | 80.56% | 80.12% | 79.73% | 78.21% | -207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.15% | 5.43% | 4.60% | 2.46% | 1.48% | -467 bps | |
| Loan Growth (YoY) | 1.86% | 1.36% | 1.57% | 2.63% | 1.54% | -32 bps | |
| Share Growth (YoY) | 5.73% | 4.79% | 2.87% | 1.27% | 1.91% | -382 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.31% | 0.27% | 0.15% | 0.33% | +15 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 | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Net Worth / Assets | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.26% | 84.76% | 85.25% | 83.04% | 83.95% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |