Muncie, IN · Charter 489
NCUA · 4 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 | 0.51% | 0.56% | 0.56% | 1.34% | 1.17% | 0.98% | 0.99% | 0.91% | -43 bps | |
| Return on Equity | 5.29% | 5.61% | 5.69% | 12.97% | 11.10% | 9.67% | 9.85% | 8.74% | -423 bps | |
| Net Interest Margin | 3.87% | 3.90% | 4.42% | 4.38% | 4.46% | 4.27% | 4.32% | 4.24% | -14 bps | |
| Efficiency Ratio | 82.09% | 86.04% | 82.40% | 75.01% | 73.96% | 75.54% | 80.83% | 80.69% | +567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.66% | 5.98% | 3.72% | 3.35% | 1.55% | 7.80% | 8.14% | 11.75% | +839 bps | |
| Loan Growth (YoY) | 3.57% | 0.93% | 8.13% | 14.97% | 17.47% | 17.32% | 9.24% | 5.45% | -952 bps | |
| Share Growth (YoY) | 16.60% | 6.23% | 3.42% | 2.28% | 0.29% | 7.17% | 7.40% | 11.52% | +924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.61% | 0.43% | 0.26% | 0.39% | 0.35% | 0.36% | 0.88% | +62 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 | 9.73% | 9.97% | 9.84% | 10.30% | 10.52% | 10.12% | 10.04% | 10.37% | +8 bps | |
| Net Worth / Assets | 9.73% | 9.97% | 9.84% | 10.30% | 10.52% | 10.12% | 10.04% | 10.37% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.26% | 77.89% | 79.95% | 86.09% | 89.31% | 85.27% | 81.32% | 81.41% | -469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |