Columbia City, IN · Charter 16732
NCUA · 1 branch
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 | 1.42% | 1.38% | 1.73% | 1.84% | 1.92% | 1.96% | 1.99% | 2.09% | +25 bps | |
| Return on Equity | 12.30% | 11.64% | 14.04% | 14.52% | 14.78% | 15.00% | 15.22% | 15.29% | +77 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.59% | 3.61% | 3.70% | 3.78% | 4.10% | 4.18% | +57 bps | |
| Efficiency Ratio | 64.13% | 66.22% | 61.28% | 58.26% | 56.72% | 56.45% | 58.34% | 56.59% | -167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | 2.15% | 1.77% | 2.68% | 2.38% | 4.45% | 8.65% | 6.91% | +423 bps | |
| Loan Growth (YoY) | 1.55% | 1.95% | -1.56% | 0.16% | 2.93% | 2.97% | 5.71% | 2.17% | +201 bps | |
| Share Growth (YoY) | -1.08% | 0.41% | -0.05% | 0.40% | 0.41% | 2.87% | 7.40% | 5.99% | +560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.38% | 0.11% | 0.28% | 0.47% | 0.26% | 0.28% | 0.95% | +67 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 | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.53% | 11.85% | 12.32% | 12.66% | 13.01% | 13.05% | 13.08% | 13.69% | +102 bps | |
| Net Worth / Assets | 11.53% | 11.85% | 12.32% | 12.66% | 13.01% | 13.05% | 13.08% | 13.69% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.29% | 43.79% | 43.41% | 43.79% | 44.37% | 43.83% | 42.73% | 42.21% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |