PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Financial Health

Indianapolis, IN · Charter 20793

NCUA · 3 branches

Q2 2026

$30.2MAssets
$12.5MLoans
$26.9MShares
$3.1MNet 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 -3.54%, down 353 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 2.20% of loans (+16 bps YoY).
  • Capital: net worth / assets of 10.41%, down 55 bps from a year ago.
  • Funding: loans stand at 46.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.54%-353 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+10 bps YoY

Efficiency Ratio (YTD, annualized)

100.43%+1,064 bps YoY

Net Worth / Assets

10.41%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%1.12%0.60%-4.42%-3.54%-353 bps
Return on Equity-0.07%9.35%5.01%-41.81%-34.01%-3,394 bps
Net Interest Margin5.04%5.15%5.31%4.88%5.14%+10 bps
Efficiency Ratio89.78%81.99%84.12%98.40%100.43%+1,064 bps
Growth
Asset Growth (YoY)-6.45%-0.29%0.18%-4.53%-5.20%+125 bps
Loan Growth (YoY)-6.53%-5.24%-6.47%-7.54%-11.97%-545 bps
Share Growth (YoY)-6.65%-1.70%-0.84%-4.00%-3.63%+302 bps
Asset Quality
Delinquent Loans / Loans2.04%3.67%4.28%3.08%2.20%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.96%12.01%11.90%10.58%10.41%-55 bps
Net Worth / Assets10.96%12.01%11.90%10.58%10.41%-55 bps
Liquidity & Funding
Loans / Shares50.79%50.07%50.28%43.88%46.39%-440 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps