PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Indiana

Merrillville, IN · Charter 168

NCUA · 2 branches

Q2 2026

$41.7MAssets
$29.1MLoans
$37.1MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.69%, up 62 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.15% of loans (-35 bps YoY).
  • Capital: net worth / assets of 9.25%, up 43 bps from a year ago.
  • Funding: loans stand at 78.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+4 bps YoY

Efficiency Ratio (YTD, annualized)

86.27%-304 bps YoY

Net Worth / Assets

9.25%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.30%0.77%0.72%0.69%+62 bps
Return on Equity0.84%3.32%8.27%7.89%7.49%+664 bps
Net Interest Margin4.11%4.19%4.33%4.21%4.16%+4 bps
Efficiency Ratio89.31%89.14%85.38%85.82%86.27%-304 bps
Growth
Asset Growth (YoY)0.26%-3.24%0.78%3.88%4.74%+448 bps
Loan Growth (YoY)2.86%1.98%5.20%7.26%5.90%+304 bps
Share Growth (YoY)-1.61%-5.73%-1.31%2.16%4.61%+622 bps
Asset Quality
Delinquent Loans / Loans0.49%0.56%0.48%0.25%0.15%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.82%9.02%9.30%9.12%9.25%+43 bps
Net Worth / Assets8.82%9.02%9.30%9.12%9.25%+43 bps
Liquidity & Funding
Loans / Shares77.48%78.26%80.62%77.15%78.44%+96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps