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Fo Me Bo Co.

Wabash, IN · Charter 19432

NCUA · 1 branch

Q2 2026

$3.8MAssets
$2.3MLoans
$3.1MShares
$659KNet 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 2.04%, down 3 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.32%, up 403 bps from a year ago.
  • Funding: loans stand at 73.70% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.04%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.81%+47 bps YoY

Efficiency Ratio (quarter, annualized)

58.23%+476 bps YoY

Net Worth / Assets

17.32%+403 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%2.01%2.18%1.92%2.04%-3 bps
Return on Equity15.59%14.45%13.85%11.92%11.80%-379 bps
Net Interest Margin4.34%4.32%4.79%4.55%4.81%+47 bps
Efficiency Ratio53.47%53.62%54.49%58.30%58.23%+476 bps
Growth
Asset Growth (YoY)2.16%-4.23%-10.04%-13.73%-12.72%-1,487 bps
Loan Growth (YoY)-1.36%0.11%4.01%6.67%-9.59%-823 bps
Share Growth (YoY)0.98%-6.24%-13.66%-17.79%-16.79%-1,778 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.31%0.35%0.35%0.37%0.37%+6 bps
Capital
Risk-Based Capital13.29%13.88%15.76%16.08%17.32%+403 bps
Net Worth / Assets13.29%13.88%15.76%16.08%17.32%+403 bps
Liquidity & Funding
Loans / Shares67.83%69.45%77.07%72.95%73.70%+587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps