PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jefferson Community

Madison, IN · Charter 19319

NCUA · 2 branches

Q2 2026

$18.0MAssets
$11.7MLoans
$16.0MShares
$1.9MNet 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 1.27%, up 33 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.05% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.69%, up 17 bps from a year ago.
  • Funding: loans stand at 73.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.04%0 bps YoY

Efficiency Ratio (YTD, annualized)

77.40%-412 bps YoY

Net Worth / Assets

10.69%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.90%0.93%1.34%1.27%+33 bps
Return on Equity8.96%8.68%8.57%13.09%11.87%+291 bps
Net Interest Margin4.04%4.06%4.21%3.94%4.04%0 bps
Efficiency Ratio81.53%81.81%81.89%77.12%77.40%-412 bps
Growth
Asset Growth (YoY)-1.58%5.60%7.07%8.87%9.34%+1,091 bps
Loan Growth (YoY)28.08%35.54%35.83%23.36%11.29%-1,679 bps
Share Growth (YoY)-2.54%5.82%6.99%9.57%9.68%+1,222 bps
Asset Quality
Delinquent Loans / Loans0.20%0.04%0.09%0.04%0.05%-15 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 Capital10.52%10.37%10.83%10.23%10.69%+17 bps
Net Worth / Assets10.52%10.37%10.83%10.23%10.69%+17 bps
Liquidity & Funding
Loans / Shares72.00%74.89%78.04%71.66%73.06%+106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps