Elkhart, IN · Charter 4968
NCUA · 6 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 | 0.20% | 0.13% | -0.43% | -0.24% | -0.16% | -0.10% | 0.08% | 0.17% | +41 bps | |
| Return on Equity | 2.52% | 1.61% | -5.56% | -3.01% | -1.99% | -1.29% | 1.02% | 2.09% | +510 bps | |
| Net Interest Margin | 3.05% | 3.13% | 3.17% | 3.27% | 3.37% | 3.42% | 3.38% | 3.50% | +23 bps | |
| Efficiency Ratio | 70.99% | 73.20% | 81.92% | 80.81% | 80.50% | 80.46% | 80.18% | 79.09% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | -4.63% | -6.37% | -5.68% | -4.36% | -3.98% | -4.15% | -5.08% | +61 bps | |
| Loan Growth (YoY) | 0.44% | -3.08% | -5.98% | -4.89% | -4.22% | -3.90% | -3.56% | -2.64% | +225 bps | |
| Share Growth (YoY) | -0.28% | -6.53% | -2.96% | -4.73% | -6.05% | -4.31% | -7.53% | -4.51% | +23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 1.20% | 1.04% | 1.01% | 0.99% | 0.99% | 0.97% | 0.94% | -7 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 | 7.91% | 7.95% | 7.80% | 7.89% | 8.07% | 8.12% | 8.11% | 8.36% | +47 bps | |
| Net Worth / Assets | 7.91% | 7.95% | 7.80% | 7.89% | 8.07% | 8.12% | 8.11% | 8.36% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.18% | 114.86% | 109.35% | 112.69% | 115.39% | 115.36% | 114.04% | 114.90% | +220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |