Bedford, IN · Charter 60768
NCUA · 11 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 | 0.39% | 0.45% | 0.69% | 0.75% | 0.74% | 0.73% | 0.89% | 0.91% | +15 bps | |
| Return on Equity | 4.34% | 4.87% | 7.44% | 8.17% | 7.84% | 7.74% | 9.21% | 9.37% | +121 bps | |
| Net Interest Margin | 3.03% | 3.08% | 3.14% | 3.19% | 3.24% | 3.27% | 3.45% | 3.46% | +27 bps | |
| Efficiency Ratio | 85.16% | 83.81% | 78.10% | 77.42% | 77.40% | 78.15% | 76.19% | 75.78% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -1.31% | -2.05% | 0.36% | 1.87% | 3.39% | 2.61% | 2.49% | +213 bps | |
| Loan Growth (YoY) | 2.01% | 0.65% | -0.07% | -0.04% | 1.15% | 2.16% | 2.22% | 2.33% | +237 bps | |
| Share Growth (YoY) | 1.13% | 1.62% | 2.30% | 5.97% | 7.68% | 7.80% | 8.77% | 6.46% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.52% | 0.95% | 1.40% | 1.08% | 1.13% | 0.85% | 0.97% | -43 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 | 8.98% | 9.18% | 9.23% | 9.23% | 9.38% | 9.48% | 9.65% | 9.69% | +46 bps | |
| Net Worth / Assets | 8.98% | 9.18% | 9.23% | 9.23% | 9.38% | 9.48% | 9.65% | 9.69% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.05% | 103.68% | 99.92% | 97.55% | 98.68% | 98.25% | 93.90% | 93.76% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |