Connersville, IN · Charter 3536
NCUA · 1 branch
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -1.01% | -3.85% | -5.09% | -1.31% | -4.51% | -2.77% | -1.81% | +328 bps | |
| Return on Equity | -12.32% | -9.43% | -36.08% | -59.88% | -12.57% | -78.37% | -55.28% | -37.09% | +2,279 bps | |
| Net Interest Margin | 3.96% | 3.03% | 3.60% | 3.99% | 3.96% | 4.64% | 4.98% | 4.98% | +99 bps | |
| Efficiency Ratio | 100.65% | 100.65% | 136.68% | 181.05% | 100.65% | 161.15% | 132.52% | 122.81% | -5,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.10% | -15.33% | -13.33% | -1.72% | 0.00% | -4.69% | -4.45% | -8.81% | -709 bps | |
| Loan Growth (YoY) | 21.98% | 15.85% | 14.05% | -4.35% | 0.00% | -17.89% | -24.77% | -21.37% | -1,702 bps | |
| Share Growth (YoY) | -12.95% | -14.76% | -13.29% | 0.33% | 0.00% | 0.01% | 1.87% | -5.24% | -557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.76% | 0.56% | 0.51% | 0.73% | 0.96% | 0.10% | 0.16% | -35 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 | 10.66% | 10.67% | 10.67% | 8.50% | 10.44% | 5.76% | 5.01% | 4.88% | -362 bps | |
| Net Worth / Assets | 10.66% | 10.67% | 10.67% | 8.50% | 10.44% | 5.76% | 5.01% | 4.88% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.30% | 78.79% | 79.94% | 69.08% | 79.30% | 64.69% | 59.04% | 57.32% | -1,176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |