PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Thrive

Muncie, IN · Charter 3631

NCUA · 3 branches

Q2 2026

$110.0MAssets
$75.0MLoans
$96.2MShares
$13.2MNet 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 0.77%, down 87 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.08% of loans (+27 bps YoY).
  • Capital: net worth / assets of 12.00%, up 52 bps from a year ago.
  • Funding: loans stand at 77.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.77%-87 bps YoY

Net Interest Margin (quarter, annualized)

3.81%+8 bps YoY

Efficiency Ratio (quarter, annualized)

82.38%+1,290 bps YoY

Net Worth / Assets

12.00%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.61%1.60%0.64%0.77%-87 bps
Return on Equity14.22%13.87%13.42%5.59%6.38%-785 bps
Net Interest Margin3.73%3.75%3.80%3.66%3.81%+8 bps
Efficiency Ratio69.48%69.79%70.01%84.87%82.38%+1,290 bps
Growth
Asset Growth (YoY)7.05%5.75%7.30%7.39%5.99%-105 bps
Loan Growth (YoY)12.34%12.96%14.41%12.80%12.25%-9 bps
Share Growth (YoY)6.30%4.77%5.84%6.27%4.81%-148 bps
Asset Quality
Delinquent Loans / Loans0.81%1.30%1.40%1.27%1.08%+27 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 Capital11.48%11.60%11.92%11.44%12.00%+52 bps
Net Worth / Assets11.48%11.60%11.92%11.44%12.00%+52 bps
Liquidity & Funding
Loans / Shares72.78%73.50%76.00%72.10%77.94%+516 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps