Newburgh, IN · Charter 16626
NCUA · 21 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.74% | 0.53% | 0.74% | 0.75% | 0.77% | 0.83% | 0.93% | +19 bps | |
| Return on Equity | 5.17% | 6.36% | 4.67% | 6.35% | 6.31% | 6.43% | 7.04% | 7.53% | +118 bps | |
| Net Interest Margin | 3.03% | 3.02% | 3.04% | 3.21% | 3.25% | 3.27% | 3.30% | 3.44% | +23 bps | |
| Efficiency Ratio | 83.09% | 79.33% | 84.16% | 80.28% | 80.56% | 80.12% | 79.73% | 78.21% | -207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 4.40% | 6.50% | 6.15% | 5.43% | 4.60% | 2.46% | 1.48% | -467 bps | |
| Loan Growth (YoY) | 3.75% | 2.87% | 1.88% | 1.86% | 1.36% | 1.57% | 2.63% | 1.54% | -32 bps | |
| Share Growth (YoY) | 1.76% | 4.18% | 6.04% | 5.73% | 4.79% | 2.87% | 1.27% | 1.91% | -382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.30% | 0.21% | 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 | 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 | 11.51% | 11.57% | 11.30% | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Net Worth / Assets | 11.51% | 11.57% | 11.30% | 11.71% | 11.85% | 11.91% | 11.81% | 12.35% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.63% | 86.35% | 81.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |