Kokomo, IN · Charter 3012
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 | 1.02% | 0.93% | -0.94% | -0.66% | -0.17% | 0.10% | -0.01% | 0.24% | +90 bps | |
| Return on Equity | 9.55% | 8.54% | -9.30% | -6.49% | -1.66% | 0.97% | -0.09% | 2.37% | +887 bps | |
| Net Interest Margin | 3.71% | 3.80% | 3.54% | 3.76% | 3.89% | 3.91% | 3.65% | 3.94% | +17 bps | |
| Efficiency Ratio | 74.95% | 77.02% | 119.73% | 101.72% | 95.15% | 92.76% | 101.31% | 95.93% | -579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.06% | -22.12% | 1.62% | 3.23% | 2.55% | 4.80% | 7.31% | 5.08% | +185 bps | |
| Loan Growth (YoY) | 28.84% | 3.46% | 5.68% | 4.67% | 1.41% | 0.74% | -5.39% | 0.86% | -380 bps | |
| Share Growth (YoY) | -6.85% | -2.10% | 1.17% | 3.25% | 3.51% | 5.27% | 8.75% | 6.30% | +305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.81% | 1.20% | 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 | 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 | 10.64% | 10.86% | 10.10% | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Net Worth / Assets | 10.64% | 10.86% | 10.10% | 10.18% | 10.36% | 10.45% | 9.72% | 10.23% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.35% | 34.09% | 33.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |