South Bend, IN · Charter 18393
NCUA · 3 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 | 1.05% | 1.09% | 1.16% | 1.24% | 1.57% | 1.48% | 1.29% | 1.34% | +10 bps | |
| Return on Equity | 6.61% | 6.78% | 7.35% | 7.74% | 9.53% | 9.02% | 7.98% | 8.19% | +45 bps | |
| Net Interest Margin | 2.48% | 2.49% | 2.63% | 2.67% | 2.71% | 2.68% | 2.75% | 2.81% | +14 bps | |
| Efficiency Ratio | 67.43% | 66.30% | 64.62% | 62.67% | 57.36% | 58.45% | 62.44% | 61.20% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.67% | 4.85% | 5.66% | 5.97% | 5.66% | 7.42% | 7.48% | 7.75% | +178 bps | |
| Loan Growth (YoY) | -3.19% | -4.82% | -6.37% | -7.96% | -4.86% | -4.22% | -2.12% | 4.29% | +1,225 bps | |
| Share Growth (YoY) | 2.89% | 4.48% | 5.40% | 5.74% | 4.85% | 6.83% | 6.60% | 6.96% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.36% | 0.16% | 0.17% | 0.22% | 0.20% | 0.30% | 0.29% | +12 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 | 15.91% | 16.03% | 15.78% | 16.05% | 16.50% | 16.37% | 16.14% | 16.39% | +33 bps | |
| Net Worth / Assets | 15.91% | 16.03% | 15.78% | 16.05% | 16.50% | 16.37% | 16.14% | 16.39% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.48% | 43.37% | 40.73% | 40.13% | 40.36% | 38.88% | 37.39% | 39.13% | -100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |