Gary, IN · Charter 3251
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.14% | -3.17% | -3.74% | -6.16% | -4.49% | -36 bps | |
| Return on Equity | -9.57% | -7.34% | -8.78% | -14.76% | -10.86% | -129 bps | |
| Net Interest Margin | 2.76% | 2.82% | 2.99% | 2.80% | 2.59% | -17 bps | |
| Efficiency Ratio | 249% | 212% | 225% | 307% | 266% | +1,680 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | -2.87% | -3.55% | -4.76% | -4.53% | -214 bps | |
| Loan Growth (YoY) | 5.44% | -4.60% | -9.34% | -14.21% | -24.11% | -2,956 bps | |
| Share Growth (YoY) | 2.70% | 0.90% | 0.11% | -1.35% | -1.42% | -412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.61% | 9.11% | 13.75% | 9.70% | 0.00% | -861 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 26.63% | 30.10% | 33.04% | 36.50% | 29.66% | +303 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.24% | 43.18% | 42.63% | 41.75% | 41.39% | -185 bps | |
| Net Worth / Assets | 43.24% | 43.18% | 42.63% | 41.75% | 41.39% | -185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.75% | 36.89% | 33.97% | 32.47% | 30.60% | -915 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |