PackageTrendsPeer
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Family Horizons

Indianapolis, IN · Charter 64942

NCUA · 2 branches

Q2 2026

$93.2MAssets
$63.8MLoans
$82.3MShares
$10.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 11 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.42% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.07%, down 8 bps from a year ago.
  • Funding: loans stand at 77.44% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.07%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+52 bps YoY

Efficiency Ratio (YTD, annualized)

90.28%-475 bps YoY

Net Worth / Assets

11.07%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.25%0.17%0.12%0.10%0.07%0.07%-11 bps
Return on Equity1.90%1.73%2.30%1.57%1.10%0.87%0.68%0.62%-95 bps
Net Interest Margin3.48%3.47%3.34%3.48%3.47%3.41%3.99%4.00%+52 bps
Efficiency Ratio91.14%89.43%92.01%95.04%94.90%95.65%91.27%90.28%-475 bps
Growth
Asset Growth (YoY)-0.35%1.78%-0.34%-1.71%-3.31%-4.22%-2.41%1.15%+286 bps
Loan Growth (YoY)-17.51%-17.85%-22.49%-27.41%-24.21%5.11%17.81%43.18%+7,059 bps
Share Growth (YoY)-0.66%2.01%5.75%4.52%2.82%1.55%-2.40%1.77%-275 bps
Asset Quality
Delinquent Loans / Loans0.53%0.67%0.38%0.57%0.48%0.35%0.33%0.42%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.76%10.62%10.68%11.15%11.26%11.19%10.99%11.07%-8 bps
Net Worth / Assets10.76%10.62%10.68%11.15%11.26%11.19%10.99%11.07%-8 bps
Liquidity & Funding
Loans / Shares74.30%69.14%58.36%55.05%54.77%71.57%70.43%77.44%+2,240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps