West Lafayette, IN · Charter 19307
NCUA · 14 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 | 0.59% | 0.61% | 0.45% | 0.66% | 0.84% | 0.84% | 0.66% | 0.97% | +32 bps | |
| Return on Equity | 5.53% | 5.75% | 4.44% | 6.22% | 7.76% | 7.77% | 6.23% | 8.80% | +258 bps | |
| Net Interest Margin | 2.84% | 2.81% | 2.91% | 2.98% | 3.02% | 3.01% | 3.22% | 3.30% | +32 bps | |
| Efficiency Ratio | 81.86% | 81.75% | 84.35% | 81.10% | 78.42% | 77.81% | 79.88% | 74.94% | -615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 1.54% | 3.27% | 6.95% | 6.05% | 5.47% | 3.54% | 3.91% | -305 bps | |
| Loan Growth (YoY) | 4.80% | 4.12% | 3.89% | 2.10% | 1.10% | 2.91% | 2.84% | 4.67% | +257 bps | |
| Share Growth (YoY) | 9.77% | 9.56% | 9.72% | 8.20% | 6.30% | 5.23% | 2.98% | 2.36% | -584 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.16% | 0.13% | 0.12% | 0.14% | 0.17% | 0.13% | 0.17% | +5 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 | 10.73% | 10.55% | 10.22% | 10.55% | 10.83% | 10.76% | 10.66% | 11.06% | +51 bps | |
| Net Worth / Assets | 10.73% | 10.55% | 10.22% | 10.55% | 10.83% | 10.76% | 10.66% | 11.06% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.76% | 86.27% | 82.49% | 83.36% | 84.41% | 84.36% | 82.38% | 85.24% | +188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |