Madison, IN · Charter 19319
NCUA · 2 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 | 0.58% | 1.27% | -1.34% | 0.94% | 0.90% | 0.93% | 1.34% | 1.27% | +33 bps | |
| Return on Equity | 5.80% | 12.00% | -13.30% | 8.96% | 8.68% | 8.57% | 13.09% | 11.87% | +291 bps | |
| Net Interest Margin | 4.11% | 4.23% | 3.75% | 4.04% | 4.06% | 4.21% | 3.94% | 4.04% | 0 bps | |
| Efficiency Ratio | 75.55% | 76.97% | 79.51% | 81.53% | 81.81% | 81.89% | 77.12% | 77.40% | -412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.08% | -8.95% | -7.00% | -1.58% | 5.60% | 7.07% | 8.87% | 9.34% | +1,091 bps | |
| Loan Growth (YoY) | 5.16% | 8.14% | 19.05% | 28.08% | 35.54% | 35.83% | 23.36% | 11.29% | -1,679 bps | |
| Share Growth (YoY) | -8.38% | -10.83% | -8.00% | -2.54% | 5.82% | 6.99% | 9.57% | 9.68% | +1,222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.20% | 0.04% | 0.09% | 0.04% | 0.05% | -15 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 | 10.03% | 10.61% | 10.11% | 10.52% | 10.37% | 10.83% | 10.23% | 10.69% | +17 bps | |
| Net Worth / Assets | 10.03% | 10.61% | 10.11% | 10.52% | 10.37% | 10.83% | 10.23% | 10.69% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.47% | 61.47% | 63.65% | 72.00% | 74.89% | 78.04% | 71.66% | 73.06% | +106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |