PackageTrendsPeer
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Haynes Community

Kokomo, IN · Charter 5773

NCUA · 1 branch

Q2 2026

$42.3MAssets
$28.3MLoans
$37.2MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, down 4 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 2.04% of loans (+70 bps YoY).
  • Capital: net worth / assets of 11.59%, down 38 bps from a year ago.
  • Funding: loans stand at 76.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-4 bps YoY

Efficiency Ratio (YTD, annualized)

80.27%-6 bps YoY

Net Worth / Assets

11.59%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.89%0.75%0.51%0.71%-4 bps
Return on Equity6.26%7.46%6.55%4.50%6.15%-11 bps
Net Interest Margin3.44%3.46%3.32%2.32%3.40%-4 bps
Efficiency Ratio80.33%79.32%82.53%77.24%80.27%-6 bps
Growth
Asset Growth (YoY)-3.09%-2.13%1.24%6.74%9.78%+1,286 bps
Loan Growth (YoY)-6.00%-6.52%-9.22%-10.01%-11.52%-552 bps
Share Growth (YoY)-4.45%-3.53%-0.41%5.73%9.12%+1,357 bps
Asset Quality
Delinquent Loans / Loans1.34%1.98%2.25%2.09%2.04%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.97%11.93%11.52%11.33%11.59%-38 bps
Net Worth / Assets11.97%11.93%11.52%11.33%11.59%-38 bps
Liquidity & Funding
Loans / Shares94.01%90.44%83.36%78.17%76.23%-1,778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps