South Bend, IN · Charter 3412
NCUA · 3 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.41% | 0.67% | 0.54% | 0.55% | 0.59% | 0.84% | 0.92% | +38 bps | |
| Return on Equity | 3.36% | 3.82% | 6.25% | 5.04% | 5.07% | 5.27% | 7.53% | 8.01% | +297 bps | |
| Net Interest Margin | 2.63% | 2.72% | 2.81% | 2.81% | 2.90% | 3.13% | 3.04% | 3.06% | +25 bps | |
| Efficiency Ratio | 89.61% | 87.90% | 81.33% | 83.84% | 83.26% | 82.75% | 78.63% | 77.66% | -618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -1.96% | -0.11% | 3.58% | 3.26% | 2.83% | 1.22% | -0.08% | -366 bps | |
| Loan Growth (YoY) | 7.89% | 1.97% | -2.67% | -1.94% | -5.12% | -5.15% | -6.73% | -7.94% | -600 bps | |
| Share Growth (YoY) | -2.88% | -2.77% | -0.56% | 3.27% | 3.53% | 2.46% | 0.62% | -0.64% | -390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.15% | 0.30% | 0.31% | 0.33% | 0.29% | 0.15% | 0.02% | -29 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 | 10.69% | 10.82% | 10.70% | 10.69% | 10.90% | 11.10% | 11.20% | 11.47% | +78 bps | |
| Net Worth / Assets | 10.69% | 10.82% | 10.70% | 10.69% | 10.90% | 11.10% | 11.20% | 11.47% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.61% | 35.99% | 34.22% | 34.20% | 33.55% | 33.31% | 31.72% | 31.68% | -251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |