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Letter portraitLegal landscapeQuarterYTD

Elements Financial

Indianapolis, IN · Charter 22468

NCUA · 5 branches

Q2 2026

$2.5BAssets
$1.7BLoans
$2.0BShares
$298.6MNet 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 1.40%, up 55 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.46% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.92%, up 189 bps from a year ago.
  • Funding: loans stand at 85.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+55 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+32 bps YoY

Efficiency Ratio (YTD, annualized)

59.23%-855 bps YoY

Net Worth / Assets

11.92%+189 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%1.20%1.19%0.91%1.40%+55 bps
Return on Equity8.52%11.47%11.19%7.96%11.77%+325 bps
Net Interest Margin2.44%2.52%2.54%2.66%2.76%+32 bps
Efficiency Ratio67.78%62.26%62.57%66.05%59.23%-855 bps
Growth
Asset Growth (YoY)7.72%6.24%7.15%-1.14%0.83%-688 bps
Loan Growth (YoY)4.59%3.94%0.02%0.05%0.67%-391 bps
Share Growth (YoY)6.45%8.04%6.91%0.22%-4.56%-1,101 bps
Asset Quality
Delinquent Loans / Loans0.39%0.46%0.56%0.35%0.46%+7 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 Capital10.03%10.47%10.60%11.49%11.92%+189 bps
Net Worth / Assets10.03%10.47%10.60%11.49%11.92%+189 bps
Liquidity & Funding
Loans / Shares80.91%81.83%82.56%78.01%85.34%+443 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps