PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Summit Choice

Fort Wayne, IN · Charter 21593

NCUA · 7 branches

Q2 2026

$206.6MAssets
$150.9MLoans
$179.5MShares
$26.0MNet 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 0.57%, down 123 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.66% of loans (+12 bps YoY).
  • Capital: net worth / assets of 12.58%, down 16 bps from a year ago.
  • Funding: loans stand at 84.08% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%-123 bps YoY

Net Interest Margin (YTD, annualized)

4.01%-11 bps YoY

Efficiency Ratio (YTD, annualized)

80.46%+1,033 bps YoY

Net Worth / Assets

12.58%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.62%1.39%0.73%0.57%-123 bps
Return on Equity14.07%12.93%11.09%5.91%4.51%-956 bps
Net Interest Margin4.12%3.99%4.02%3.90%4.01%-11 bps
Efficiency Ratio70.13%72.39%73.20%81.90%80.46%+1,033 bps
Growth
Asset Growth (YoY)2.23%5.77%6.44%6.94%7.81%+559 bps
Loan Growth (YoY)4.16%6.23%8.11%7.74%5.93%+177 bps
Share Growth (YoY)0.61%4.69%5.45%6.27%7.90%+729 bps
Asset Quality
Delinquent Loans / Loans0.54%0.58%0.91%0.42%0.66%+12 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 Capital12.75%12.54%12.52%12.32%12.58%-16 bps
Net Worth / Assets12.75%12.54%12.52%12.32%12.58%-16 bps
Liquidity & Funding
Loans / Shares85.65%83.13%84.85%81.44%84.08%-156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps