PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Health Care Professionals

Richmond, IN · Charter 22213

NCUA · 2 branches

Q2 2026

$41.6MAssets
$20.9MLoans
$33.4MShares
$7.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.57%, up 2 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY).
  • Capital: net worth / assets of 18.61%, down 48 bps from a year ago.
  • Funding: loans stand at 62.52% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.57%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.20%-17 bps YoY

Efficiency Ratio (quarter, annualized)

74.72%-96 bps YoY

Net Worth / Assets

18.61%-48 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.36%1.46%1.55%1.59%1.60%2.01%1.57%+2 bps
Return on Equity8.02%7.37%8.07%8.10%8.40%8.39%10.77%8.43%+33 bps
Net Interest Margin4.00%4.03%4.13%4.37%4.32%4.31%4.33%4.20%-17 bps
Efficiency Ratio71.30%71.74%76.02%75.68%73.31%73.52%73.45%74.72%-96 bps
Growth
Asset Growth (YoY)1.69%0.97%2.73%-0.22%4.78%5.25%7.06%16.19%+1,641 bps
Loan Growth (YoY)-1.07%-0.21%1.32%2.34%2.34%4.70%8.17%12.02%+968 bps
Share Growth (YoY)2.06%-0.56%1.66%-2.09%3.88%4.27%6.32%15.68%+1,777 bps
Asset Quality
Delinquent Loans / Loans0.39%0.05%0.01%0.08%0.07%0.04%0.00%0.00%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.37%18.41%18.15%19.09%18.98%19.09%18.64%18.61%-48 bps
Net Worth / Assets18.37%18.41%18.15%19.09%18.98%19.09%18.64%18.61%-48 bps
Liquidity & Funding
Loans / Shares65.19%63.38%60.52%64.56%64.23%63.65%61.57%62.52%-205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps