Wabash, IN · Charter 3006
NCUA · 1 branch
Q2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.26% | -0.20% | 0.21% | 0.30% | 0.24% | 0.65% | 0.41% | +20 bps | |
| Return on Equity | -1.69% | -1.41% | -1.11% | 1.11% | 1.61% | 1.16% | 2.93% | 1.86% | +76 bps | |
| Net Interest Margin | 3.13% | 3.70% | 3.41% | 3.93% | 4.03% | 4.65% | 5.18% | 5.02% | +110 bps | |
| Efficiency Ratio | 106.00% | 104.56% | 103.26% | 92.74% | 90.74% | 92.89% | 84.61% | 88.97% | -377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | -6.29% | -5.65% | -9.80% | -12.61% | -9.33% | -15.13% | -13.94% | -414 bps | |
| Loan Growth (YoY) | -11.37% | -10.72% | -13.63% | -17.37% | -18.12% | -2.30% | -8.14% | -10.43% | +695 bps | |
| Share Growth (YoY) | 8.96% | -7.37% | -6.64% | -11.83% | -15.31% | -11.84% | -19.14% | -17.55% | -572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.56% | 0.14% | 0.00% | 0.18% | 0.16% | 0.00% | 0.00% | 0 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 | 0.69% | 0.66% | 0.68% | 0.65% | 0.69% | 0.52% | 0.46% | 0.58% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.07% | 18.73% | 18.31% | 18.53% | 18.59% | 20.90% | 22.06% | 21.87% | +334 bps | |
| Net Worth / Assets | 16.07% | 18.73% | 18.31% | 18.53% | 18.59% | 20.90% | 22.06% | 21.87% | +334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.03% | 99.50% | 97.17% | 89.22% | 87.04% | 110.28% | 110.39% | 96.93% | +771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |