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Community Spirit Credit Union

Lawrenceburg, IN · Charter 65493

NCUA · 1 branch

Q2 2026

$21.5MAssets
$10.0MLoans
$19.1MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, up 54 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 2.03% of loans (-59 bps YoY).
  • Capital: net worth / assets of 10.40%, down 21 bps from a year ago.
  • Funding: loans stand at 52.29% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.41%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+39 bps YoY

Efficiency Ratio (YTD, annualized)

89.32%-515 bps YoY

Net Worth / Assets

10.40%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%-0.10%-0.37%-0.13%0.27%0.13%0.15%0.41%+54 bps
Return on Equity-1.70%-0.99%-3.49%-1.24%2.64%1.34%1.60%3.96%+521 bps
Net Interest Margin2.70%2.67%2.80%2.86%2.91%2.81%2.93%3.25%+39 bps
Efficiency Ratio95.45%93.40%91.85%94.47%87.49%91.07%94.33%89.32%-515 bps
Growth
Asset Growth (YoY)-0.45%6.15%4.16%5.00%3.91%6.76%14.61%3.96%-104 bps
Loan Growth (YoY)-0.98%-6.58%-10.79%-11.42%-7.77%-6.77%-5.42%-8.22%+320 bps
Share Growth (YoY)6.28%15.20%10.89%5.85%4.44%7.63%16.30%4.06%-179 bps
Asset Quality
Delinquent Loans / Loans2.36%1.34%2.88%2.62%3.66%2.58%2.72%2.03%-59 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 Capital10.71%10.39%10.60%10.61%10.32%9.80%9.43%10.40%-21 bps
Net Worth / Assets10.71%10.39%10.60%10.61%10.32%9.80%9.43%10.40%-21 bps
Liquidity & Funding
Loans / Shares65.48%61.80%61.27%59.28%57.82%53.53%49.83%52.29%-699 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps