Richmond, IN · Charter 65208
NCUA · 3 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 | 1.22% | 1.18% | 1.03% | 0.84% | 1.38% | 1.26% | 1.28% | 1.47% | +63 bps | |
| Return on Equity | 7.65% | 7.47% | 6.60% | 5.16% | 7.93% | 7.57% | 7.70% | 8.52% | +336 bps | |
| Net Interest Margin | 6.19% | 6.19% | 6.10% | 6.35% | 6.70% | 6.50% | 6.43% | 6.67% | +32 bps | |
| Efficiency Ratio | 74.70% | 74.73% | 83.67% | 81.94% | 77.40% | 76.36% | 80.40% | 80.22% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | 1.63% | 2.36% | 1.82% | -2.73% | 0.77% | 0.04% | 1.41% | -41 bps | |
| Loan Growth (YoY) | 5.03% | 2.13% | 2.22% | 2.27% | 4.15% | 6.34% | 8.67% | 10.18% | +791 bps | |
| Share Growth (YoY) | -1.59% | 0.91% | 0.49% | -0.31% | -5.27% | -0.94% | -1.35% | 0.24% | +55 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.50% | 1.12% | 1.24% | 1.12% | 1.08% | 1.15% | 1.18% | -7 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 | 15.93% | 15.84% | 15.65% | 16.20% | 17.38% | 16.70% | 16.66% | 17.26% | +107 bps | |
| Net Worth / Assets | 15.93% | 15.84% | 15.65% | 16.20% | 17.38% | 16.70% | 16.66% | 17.26% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.00% | 84.16% | 81.52% | 85.62% | 93.46% | 90.35% | 89.80% | 94.11% | +849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |