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Dubois-Pike

Jasper, IN · Charter 20805

NCUA · 1 branch

Q2 2026

$48.9MAssets
$35.5MLoans
$43.7MShares
$5.0MNet 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 1.15%, up 19 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.34% of loans (+2 bps YoY).
  • Capital: net worth / assets of 10.19%, up 61 bps from a year ago.
  • Funding: loans stand at 81.12% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+8 bps YoY

Efficiency Ratio (quarter, annualized)

71.69%-43 bps YoY

Net Worth / Assets

10.19%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.09%1.13%1.09%1.15%+19 bps
Return on Equity9.98%10.85%11.15%10.88%11.24%+126 bps
Net Interest Margin3.44%3.54%3.54%3.49%3.52%+8 bps
Efficiency Ratio72.12%70.59%70.06%72.97%71.69%-43 bps
Growth
Asset Growth (YoY)5.27%-0.32%0.49%3.70%6.49%+122 bps
Loan Growth (YoY)8.77%7.95%7.07%6.75%7.98%-79 bps
Share Growth (YoY)4.56%-1.49%-0.56%2.80%5.88%+132 bps
Asset Quality
Delinquent Loans / Loans0.32%0.56%1.04%0.93%0.34%+2 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 Capital9.58%10.00%10.16%10.01%10.19%+61 bps
Net Worth / Assets9.58%10.00%10.16%10.01%10.19%+61 bps
Liquidity & Funding
Loans / Shares79.54%82.19%81.30%79.46%81.12%+158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps