PackageTrendsPeer
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Concora Wabash

Wabash, IN · Charter 3006

NCUA · 1 branch

Q2 2026

$1.2MAssets
$876KLoans
$904KShares
$254KNet 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 0.41%, up 20 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.87%, up 334 bps from a year ago.
  • Funding: loans stand at 96.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+20 bps YoY

Net Interest Margin (YTD, annualized)

5.02%+110 bps YoY

Efficiency Ratio (YTD, annualized)

88.97%-377 bps YoY

Net Worth / Assets

21.87%+334 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.30%0.24%0.65%0.41%+20 bps
Return on Equity1.11%1.61%1.16%2.93%1.86%+76 bps
Net Interest Margin3.93%4.03%4.65%5.18%5.02%+110 bps
Efficiency Ratio92.74%90.74%92.89%84.61%88.97%-377 bps
Growth
Asset Growth (YoY)-9.80%-12.61%-9.33%-15.13%-13.94%-414 bps
Loan Growth (YoY)-17.37%-18.12%-2.30%-8.14%-10.43%+695 bps
Share Growth (YoY)-11.83%-15.31%-11.84%-19.14%-17.55%-572 bps
Asset Quality
Delinquent Loans / Loans0.00%0.18%0.16%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.69%0.52%0.46%0.58%-6 bps
Capital
Risk-Based Capital18.53%18.59%20.90%22.06%21.87%+334 bps
Net Worth / Assets18.53%18.59%20.90%22.06%21.87%+334 bps
Liquidity & Funding
Loans / Shares89.22%87.04%110.28%110.39%96.93%+771 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps