Huntington, IN · Charter 24770
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.92% | 0.51% | 0.74% | 0.84% | 0.67% | 0.62% | 0.71% | -4 bps | |
| Return on Equity | 6.15% | 7.82% | 4.47% | 6.32% | 7.08% | 5.79% | 5.29% | 5.27% | -106 bps | |
| Net Interest Margin | 2.93% | 2.98% | 2.93% | 3.06% | 3.15% | 3.13% | 3.39% | 3.72% | +66 bps | |
| Efficiency Ratio | 85.08% | 79.75% | 83.09% | 80.10% | 79.20% | 80.61% | 77.80% | 77.94% | -216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.96% | 18.99% | 9.87% | 8.80% | 4.90% | 7.13% | 3.24% | -0.60% | -941 bps | |
| Loan Growth (YoY) | 13.35% | 9.69% | -1.94% | 0.06% | 2.83% | 6.60% | 9.07% | 8.15% | +809 bps | |
| Share Growth (YoY) | 23.16% | 18.32% | 9.40% | 8.11% | 4.25% | 6.88% | 2.67% | -1.37% | -948 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.69% | 0.61% | 0.96% | 1.20% | 0.84% | 3.09% | 2.04% | +108 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 | 11.41% | 11.77% | 11.37% | 11.73% | 11.89% | 11.66% | 11.71% | 13.40% | +167 bps | |
| Net Worth / Assets | 11.41% | 11.77% | 11.37% | 11.73% | 11.89% | 11.66% | 11.71% | 13.40% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.61% | 64.28% | 60.31% | 62.86% | 64.71% | 64.11% | 64.07% | 68.92% | +607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |