Terre Haute, IN · Charter 4488
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 | -0.15% | 0.32% | 0.22% | -1.02% | -0.63% | -48 bps | |
| Return on Equity | -0.66% | 1.31% | 0.91% | -4.36% | -2.63% | -197 bps | |
| Net Interest Margin | 15.05% | 12.24% | 10.33% | 4.86% | 4.97% | -1,008 bps | |
| Efficiency Ratio | 100.90% | 97.72% | 98.14% | 117.72% | 111.00% | +1,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.43% | -7.59% | -1.43% | -4.84% | -3.87% | -45 bps | |
| Loan Growth (YoY) | -3.34% | 3.78% | -2.65% | -7.28% | -11.36% | -802 bps | |
| Share Growth (YoY) | -4.47% | -10.07% | -2.30% | -6.39% | -5.02% | -55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.05% | 0.17% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.08% | 0.09% | 0.09% | 0.09% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.12% | 24.39% | 24.26% | 23.39% | 24.03% | +92 bps | |
| Net Worth / Assets | 23.12% | 24.39% | 24.26% | 23.39% | 24.03% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.38% | 98.49% | 90.67% | 90.57% | 90.88% | -650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |