PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hoosier Hills

Bedford, IN · Charter 60768

NCUA · 11 branches

Q2 2026

$937.6MAssets
$750.5MLoans
$800.5MShares
$90.9MNet 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 0.91%, up 15 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.97% of loans (-43 bps YoY).
  • Capital: net worth / assets of 9.69%, up 46 bps from a year ago.
  • Funding: loans stand at 93.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+27 bps YoY

Efficiency Ratio (YTD, annualized)

75.78%-164 bps YoY

Net Worth / Assets

9.69%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.74%0.73%0.89%0.91%+15 bps
Return on Equity8.17%7.84%7.74%9.21%9.37%+121 bps
Net Interest Margin3.19%3.24%3.27%3.45%3.46%+27 bps
Efficiency Ratio77.42%77.40%78.15%76.19%75.78%-164 bps
Growth
Asset Growth (YoY)0.36%1.87%3.39%2.61%2.49%+213 bps
Loan Growth (YoY)-0.04%1.15%2.16%2.22%2.33%+237 bps
Share Growth (YoY)5.97%7.68%7.80%8.77%6.46%+49 bps
Asset Quality
Delinquent Loans / Loans1.40%1.08%1.13%0.85%0.97%-43 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 Capital9.23%9.38%9.48%9.65%9.69%+46 bps
Net Worth / Assets9.23%9.38%9.48%9.65%9.69%+46 bps
Liquidity & Funding
Loans / Shares97.55%98.68%98.25%93.90%93.76%-379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps