La Porte, IN · Charter 2051
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.60% | 1.53% | 1.19% | 0.92% | 0.90% | -70 bps | |
| Return on Equity | 12.02% | 11.27% | 9.09% | 6.92% | 6.56% | -546 bps | |
| Net Interest Margin | 4.80% | 4.86% | 4.68% | 4.51% | 4.64% | -16 bps | |
| Efficiency Ratio | 71.21% | 72.56% | 76.76% | 79.46% | 79.13% | +793 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.39% | 3.32% | 7.06% | 2.33% | 3.71% | +232 bps | |
| Loan Growth (YoY) | 17.38% | 16.63% | 13.28% | 2.94% | -4.75% | -2,213 bps | |
| Share Growth (YoY) | -0.18% | 1.93% | 6.57% | 1.41% | 3.23% | +341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 1.09% | 1.15% | 1.66% | 1.59% | +47 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.28% | 13.54% | 13.08% | 13.23% | 13.69% | +41 bps | |
| Net Worth / Assets | 13.28% | 13.54% | 13.08% | 13.23% | 13.69% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.32% | 98.05% | 92.45% | 87.40% | 87.02% | -730 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |