Kokomo, IN · Charter 3012
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.17% | 0.10% | -0.01% | 0.24% | +90 bps | |
| Return on Equity | -6.49% | -1.66% | 0.97% | -0.09% | 2.37% | +887 bps | |
| Net Interest Margin | 3.76% | 3.89% | 3.91% | 3.65% | 3.94% | +17 bps | |
| Efficiency Ratio | 101.72% | 95.15% | 92.76% | 101.31% | 95.93% | -579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.23% | 2.55% | 4.80% | 7.31% | 5.08% | +185 bps | |
| Loan Growth (YoY) | 4.67% | 1.41% | 0.74% | -5.39% | 0.86% | -380 bps | |
| Share Growth (YoY) | 3.25% | 3.51% | 5.27% | 8.75% | 6.30% | +305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.35% | 0.24% | 0.14% | 0.08% | -38 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Net Worth / Assets | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.13% | 33.65% | 32.62% | 29.09% | 32.39% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |