PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

R C B Employees

Connersville, IN · Charter 3536

NCUA · 1 branch

Q2 2025

$9.3MAssets
$5.1MLoans
$8.9MShares
$455KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.81%, up 328 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 0.16% of loans (-35 bps YoY).
  • Capital: net worth / assets of 4.88%, down 362 bps from a year ago.
  • Funding: loans stand at 57.32% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.81%+328 bps YoY

Net Interest Margin (YTD, annualized)

4.98%+99 bps YoY

Efficiency Ratio (YTD, annualized)

122.81%-5,824 bps YoY

Net Worth / Assets

4.88%-362 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-5.09%-1.31%-4.51%-2.77%-1.81%+328 bps
Return on Equity-59.88%-12.57%-78.37%-55.28%-37.09%+2,279 bps
Net Interest Margin3.99%3.96%4.64%4.98%4.98%+99 bps
Efficiency Ratio181.05%100.65%161.15%132.52%122.81%-5,824 bps
Growth
Asset Growth (YoY)-1.72%0.00%-4.69%-4.45%-8.81%-709 bps
Loan Growth (YoY)-4.35%0.00%-17.89%-24.77%-21.37%-1,702 bps
Share Growth (YoY)0.33%0.00%0.01%1.87%-5.24%-557 bps
Asset Quality
Delinquent Loans / Loans0.51%0.73%0.96%0.10%0.16%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.50%10.44%5.76%5.01%4.88%-362 bps
Net Worth / Assets8.50%10.44%5.76%5.01%4.88%-362 bps
Liquidity & Funding
Loans / Shares69.08%79.30%64.69%59.04%57.32%-1,176 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps