South Bend, IN · Charter 4487
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.81% | -1.59% | -0.70% | -2.29% | -201 bps | |
| Return on Equity | -0.99% | -2.77% | -5.29% | -2.21% | -7.90% | -692 bps | |
| Net Interest Margin | 4.76% | 4.95% | 5.28% | 6.04% | 5.54% | +78 bps | |
| Efficiency Ratio | 111.15% | 113.33% | 114.69% | 120.01% | 120.58% | +942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.99% | -10.07% | -16.58% | -18.05% | -8.37% | +163 bps | |
| Loan Growth (YoY) | -15.64% | -15.74% | -12.90% | -12.75% | -6.96% | +868 bps | |
| Share Growth (YoY) | -12.83% | -12.44% | -20.40% | -22.37% | -8.40% | +442 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.10% | 1.80% | 6.56% | 3.09% | 6.84% | +374 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.44% | 0.73% | 0.68% | 0.77% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.94% | 29.03% | 30.01% | 31.58% | 29.00% | +6 bps | |
| Net Worth / Assets | 28.94% | 29.03% | 30.01% | 31.58% | 29.00% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.77% | 84.18% | 87.79% | 94.52% | 86.11% | +134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |