PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indianhead

Spooner, WI · Charter 66434

NCUA · 3 branches

Q2 2026

$101.2MAssets
$68.7MLoans
$83.5MShares
$15.2MNet 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 1.55%, down 37 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.78% of loans (+13 bps YoY).
  • Capital: net worth / assets of 14.98%, up 51 bps from a year ago.
  • Funding: loans stand at 82.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.55%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.22%-34 bps YoY

Efficiency Ratio (quarter, annualized)

66.69%+525 bps YoY

Net Worth / Assets

14.98%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.91%1.98%1.69%1.55%-37 bps
Return on Equity13.24%13.30%13.44%11.26%10.35%-289 bps
Net Interest Margin4.56%4.37%4.34%4.24%4.22%-34 bps
Efficiency Ratio61.44%60.82%59.41%64.80%66.69%+525 bps
Growth
Asset Growth (YoY)-3.59%1.37%5.53%4.42%9.91%+1,349 bps
Loan Growth (YoY)14.06%15.23%15.83%15.52%13.27%-79 bps
Share Growth (YoY)-6.04%-1.20%3.15%2.49%8.49%+1,453 bps
Asset Quality
Delinquent Loans / Loans0.66%0.33%0.79%0.67%0.78%+13 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 Capital14.47%14.37%14.72%14.97%14.98%+51 bps
Net Worth / Assets14.47%14.37%14.72%14.97%14.98%+51 bps
Liquidity & Funding
Loans / Shares78.79%79.39%80.98%81.84%82.26%+347 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps