Richmond, IN · Charter 22213
NCUA · 2 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 | 1.55% | 1.59% | 1.60% | 2.01% | 1.57% | +2 bps | |
| Return on Equity | 8.10% | 8.40% | 8.39% | 10.77% | 8.43% | +33 bps | |
| Net Interest Margin | 4.37% | 4.32% | 4.31% | 4.33% | 4.20% | -17 bps | |
| Efficiency Ratio | 75.68% | 73.31% | 73.52% | 73.45% | 74.72% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | 4.78% | 5.25% | 7.06% | 16.19% | +1,641 bps | |
| Loan Growth (YoY) | 2.34% | 2.34% | 4.70% | 8.17% | 12.02% | +968 bps | |
| Share Growth (YoY) | -2.09% | 3.88% | 4.27% | 6.32% | 15.68% | +1,777 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 0.04% | 0.00% | 0.00% | -8 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 | 19.09% | 18.98% | 19.09% | 18.64% | 18.61% | -48 bps | |
| Net Worth / Assets | 19.09% | 18.98% | 19.09% | 18.64% | 18.61% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.56% | 64.23% | 63.65% | 61.57% | 62.52% | -205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |