PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indiana Lakes

Warsaw, IN · Charter 22704

NCUA · 1 branch

Q1 2026

$28.4MAssets
$13.6MLoans
$25.0MShares
$3.3MNet 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 0.86%, up 43 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.22% of loans (-84 bps YoY).
  • Capital: net worth / assets of 11.53%, up 23 bps from a year ago.
  • Funding: loans stand at 54.45% of shares as of Q1 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%+43 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+69 bps YoY

Efficiency Ratio (quarter, annualized)

77.80%-875 bps YoY

Net Worth / Assets

11.53%+23 bps YoY

Discrete quarter, annualized.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.71%0.71%0.71%0.86%+43 bps
Return on Equity3.84%6.04%5.91%6.09%7.46%+362 bps
Net Interest Margin2.63%2.77%2.77%2.73%3.32%+69 bps
Efficiency Ratio86.55%79.33%79.40%75.51%77.80%-875 bps
Growth
Asset Growth (YoY)-0.14%5.09%1.50%5.16%4.38%+452 bps
Loan Growth (YoY)-7.18%-3.63%-5.81%1.60%7.21%+1,438 bps
Share Growth (YoY)0.09%6.04%1.08%4.64%3.47%+337 bps
Asset Quality
Delinquent Loans / Loans1.06%0.96%0.91%0.68%0.22%-84 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 Capital11.30%11.75%12.02%11.65%11.53%+23 bps
Net Worth / Assets11.30%11.75%12.02%11.65%11.53%+23 bps
Liquidity & Funding
Loans / Shares52.55%54.14%55.83%55.70%54.45%+190 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps