Muncie, IN · Charter 19390
NCUA · 2 branches
Q1 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | -0.28% | -0.15% | 0.36% | 0.35% | -0.28% | -0.38% | 0.27% | -9 bps | |
| Return on Equity | -6.94% | -1.79% | -0.99% | 2.28% | 2.18% | -1.79% | -2.35% | 1.82% | -46 bps | |
| Net Interest Margin | 1.88% | 2.47% | 2.35% | 2.34% | 2.09% | 2.47% | 2.78% | 2.21% | -14 bps | |
| Efficiency Ratio | 145.48% | 109.63% | 105.43% | 86.63% | 85.44% | 109.63% | 111.61% | 89.78% | +316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.98% | -4.18% | 1.82% | 1.14% | 1.13% | 0.00% | -6.40% | -7.07% | -821 bps | |
| Loan Growth (YoY) | 9.28% | -2.61% | -14.83% | -16.67% | -20.02% | 0.00% | -4.46% | -9.62% | +705 bps | |
| Share Growth (YoY) | -9.93% | -5.24% | 1.65% | 1.24% | 0.36% | 0.00% | -5.52% | -5.99% | -724 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.36% | 0.30% | 0.24% | 0.57% | 0.36% | 0.35% | 0.77% | +54 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 | 1.20% | 1.26% | 1.42% | 1.54% | 1.74% | 1.26% | 1.61% | 1.80% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.49% | 15.83% | 15.36% | 15.78% | 15.85% | 15.83% | 16.06% | 14.87% | -91 bps | |
| Net Worth / Assets | 15.49% | 15.83% | 15.36% | 15.78% | 15.85% | 15.83% | 16.06% | 14.87% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.27% | 26.61% | 23.45% | 22.35% | 21.73% | 26.61% | 23.72% | 21.48% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |