South Bend, IN · Charter 18336
NCUA · 11 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 | 0.03% | 0.24% | 0.70% | 0.82% | 1.00% | 1.00% | 0.39% | 0.65% | -17 bps | |
| Return on Equity | 0.19% | 1.85% | 5.26% | 6.34% | 7.60% | 7.53% | 2.96% | 4.96% | -138 bps | |
| Net Interest Margin | 3.49% | 3.61% | 4.08% | 4.06% | 4.05% | 4.04% | 4.08% | 4.12% | +5 bps | |
| Efficiency Ratio | 47.25% | 46.04% | 42.57% | 43.86% | 44.36% | 44.47% | 47.98% | 47.29% | +343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.72% | 5.38% | 2.07% | 5.88% | 2.09% | 3.80% | 4.71% | 3.08% | -280 bps | |
| Loan Growth (YoY) | -2.13% | -4.25% | -5.41% | -5.87% | -6.08% | -7.12% | -7.47% | -4.84% | +104 bps | |
| Share Growth (YoY) | 8.71% | 6.01% | 1.71% | 5.83% | 1.29% | 3.18% | 4.36% | 2.51% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 3.12% | 2.66% | 2.89% | 3.17% | 3.18% | 2.55% | 2.45% | -44 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 | 12.84% | 13.13% | 13.31% | 12.99% | 13.17% | 13.27% | 13.26% | 13.16% | +17 bps | |
| Net Worth / Assets | 12.84% | 13.13% | 13.31% | 12.99% | 13.17% | 13.27% | 13.26% | 13.16% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.14% | 90.56% | 90.03% | 88.33% | 85.44% | 81.53% | 79.82% | 82.00% | -633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |