Munster, IN · Charter 22695
NCUA · 1 branch
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 | 1.96% | 2.21% | 2.31% | 1.29% | 1.20% | -76 bps | |
| Return on Equity | 8.35% | 9.34% | 9.57% | 5.57% | 4.91% | -344 bps | |
| Net Interest Margin | 6.80% | 6.73% | 6.59% | 5.72% | 5.86% | -94 bps | |
| Efficiency Ratio | 72.13% | 68.22% | 67.63% | 78.30% | 80.17% | +804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.70% | 6.91% | 6.75% | 9.81% | 2.72% | -199 bps | |
| Loan Growth (YoY) | -11.57% | -15.24% | -17.90% | -18.14% | -24.06% | -1,249 bps | |
| Share Growth (YoY) | 3.54% | 6.34% | 5.83% | 10.86% | 1.97% | -157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.68% | 3.25% | 3.38% | 2.75% | 4.00% | +132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.75% | 1.86% | 1.99% | 2.19% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.46% | 23.67% | 24.18% | 23.15% | 24.48% | +102 bps | |
| Net Worth / Assets | 23.46% | 23.67% | 24.18% | 23.15% | 24.48% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.76% | 85.52% | 82.96% | 70.55% | 68.34% | -2,342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |