South Bend, IN · Charter 60060
NCUA · 49 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 | 0.60% | 0.55% | 0.61% | 0.55% | 0.61% | 0.67% | 0.52% | 0.74% | +19 bps | |
| Return on Equity | 6.49% | 6.04% | 6.81% | 6.26% | 6.81% | 7.53% | 5.75% | 8.15% | +189 bps | |
| Net Interest Margin | 2.81% | 2.80% | 2.94% | 2.88% | 2.98% | 2.97% | 3.04% | 3.08% | +20 bps | |
| Efficiency Ratio | 70.07% | 69.67% | 70.97% | 71.43% | 70.18% | 68.58% | 70.16% | 66.08% | -535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | 1.47% | 4.58% | 6.93% | 6.68% | 7.45% | 5.81% | 4.48% | -245 bps | |
| Loan Growth (YoY) | -0.19% | 1.19% | 2.05% | 5.88% | 8.71% | 5.45% | 5.16% | 4.33% | -155 bps | |
| Share Growth (YoY) | 6.14% | 9.33% | 11.06% | 11.51% | 12.08% | 6.83% | 4.26% | 2.68% | -883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.92% | 0.69% | 0.80% | 0.89% | 1.04% | 0.67% | 0.91% | +11 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 | 9.18% | 9.04% | 8.97% | 8.86% | 9.03% | 8.95% | 8.99% | 9.11% | +25 bps | |
| Net Worth / Assets | 9.18% | 9.04% | 8.97% | 8.86% | 9.03% | 8.95% | 8.99% | 9.11% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.34% | 89.41% | 88.19% | 88.61% | 90.53% | 88.26% | 88.96% | 90.03% | +142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |