Muncie, IN · Charter 3631
NCUA · 3 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.87% | 1.59% | 1.63% | 1.61% | 1.60% | 0.64% | 0.77% | -87 bps | |
| Return on Equity | 8.60% | 7.90% | 14.59% | 14.22% | 13.87% | 13.42% | 5.59% | 6.38% | -785 bps | |
| Net Interest Margin | 3.40% | 3.48% | 3.52% | 3.73% | 3.75% | 3.80% | 3.66% | 3.81% | +8 bps | |
| Efficiency Ratio | 77.53% | 77.69% | 69.56% | 69.48% | 69.79% | 70.01% | 84.87% | 82.38% | +1,290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.37% | 8.32% | 8.91% | 7.05% | 5.75% | 7.30% | 7.39% | 5.99% | -105 bps | |
| Loan Growth (YoY) | 9.68% | 9.66% | 10.45% | 12.34% | 12.96% | 14.41% | 12.80% | 12.25% | -9 bps | |
| Share Growth (YoY) | 10.51% | 7.98% | 8.73% | 6.30% | 4.77% | 5.84% | 6.27% | 4.81% | -148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.76% | 1.16% | 0.81% | 1.30% | 1.40% | 1.27% | 1.08% | +27 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 | 10.82% | 11.08% | 10.88% | 11.48% | 11.60% | 11.92% | 11.44% | 12.00% | +52 bps | |
| Net Worth / Assets | 10.82% | 11.08% | 10.88% | 11.48% | 11.60% | 11.92% | 11.44% | 12.00% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.17% | 70.31% | 67.93% | 72.78% | 73.50% | 76.00% | 72.10% | 77.94% | +516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |