Warsaw, IN · Charter 22704
NCUA · 1 branch
Q1 2026
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.05% | 0.04% | 0.43% | 0.71% | 0.71% | 0.71% | 0.86% | +43 bps | |
| Return on Equity | -0.53% | 0.43% | 0.31% | 3.84% | 6.04% | 5.91% | 6.09% | 7.46% | +362 bps | |
| Net Interest Margin | 2.32% | 2.31% | 2.20% | 2.63% | 2.77% | 2.77% | 2.73% | 3.32% | +69 bps | |
| Efficiency Ratio | 101.27% | 98.24% | 98.78% | 86.55% | 79.33% | 79.40% | 75.51% | 77.80% | -875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | -4.66% | 1.03% | -0.14% | 5.09% | 1.50% | 5.16% | 4.38% | +452 bps | |
| Loan Growth (YoY) | -5.84% | -4.51% | -5.68% | -7.18% | -3.63% | -5.81% | 1.60% | 7.21% | +1,438 bps | |
| Share Growth (YoY) | -4.06% | -5.24% | 1.26% | 0.09% | 6.04% | 1.08% | 4.64% | 3.47% | +337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.02% | 1.06% | 1.06% | 0.96% | 0.91% | 0.68% | 0.22% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.78% | 11.61% | 11.30% | 11.75% | 12.02% | 11.65% | 11.53% | +23 bps | |
| Net Worth / Assets | 12.04% | 11.78% | 11.61% | 11.30% | 11.75% | 12.02% | 11.65% | 11.53% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.57% | 59.91% | 57.36% | 52.55% | 54.14% | 55.83% | 55.70% | 54.45% | +190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |