Whiting, IN · Charter 198
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.01% | 0.70% | 0.59% | 0.59% | 0.66% | 0.06% | 0.52% | -8 bps | |
| Return on Equity | 0.51% | 0.03% | 2.67% | 2.27% | 2.25% | 2.47% | 0.25% | 1.95% | -32 bps | |
| Net Interest Margin | 1.49% | 1.55% | 1.91% | 2.13% | 2.12% | 2.22% | 2.20% | 2.54% | +41 bps | |
| Efficiency Ratio | 90.60% | 97.24% | 65.13% | 69.29% | 69.09% | 67.08% | 90.42% | 72.66% | +337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.35% | -3.59% | -1.96% | 2.64% | 3.69% | 3.29% | 3.16% | 1.14% | -150 bps | |
| Loan Growth (YoY) | 8.35% | 9.18% | 7.91% | 10.40% | 11.38% | 4.13% | 5.76% | 3.56% | -683 bps | |
| Share Growth (YoY) | -4.72% | -4.74% | -2.91% | 2.82% | 4.53% | 3.55% | 3.55% | 0.96% | -186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.22% | 0.07% | 0.25% | 1.16% | 0.10% | 1.34% | 1.34% | +109 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 | 26.94% | 26.77% | 26.19% | 26.20% | 26.33% | 26.57% | 25.87% | 26.52% | +32 bps | |
| Net Worth / Assets | 26.94% | 26.77% | 26.19% | 26.20% | 26.33% | 26.57% | 25.87% | 26.52% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.60% | 60.25% | 57.48% | 59.12% | 62.44% | 60.59% | 58.71% | 60.64% | +152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |