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Impact Credit Union, Inc.

Clyde, OH · Charter 68150

NCUA · 5 branches

Q2 2026

$205.7MAssets
$125.3MLoans
$185.7MShares
$18.2MNet 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 0.29%, down 11 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.43% of loans (+32 bps YoY).
  • Capital: net worth / assets of 8.86%, down 10 bps from a year ago.
  • Funding: loans stand at 67.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+4 bps YoY

Efficiency Ratio (YTD, annualized)

89.70%+196 bps YoY

Net Worth / Assets

8.86%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.46%0.44%0.33%0.29%-11 bps
Return on Equity4.49%5.16%4.95%3.82%3.27%-121 bps
Net Interest Margin3.54%3.51%3.55%3.46%3.58%+4 bps
Efficiency Ratio87.74%86.11%86.07%89.95%89.70%+196 bps
Growth
Asset Growth (YoY)7.19%8.77%8.09%6.89%5.70%-150 bps
Loan Growth (YoY)2.79%1.10%-2.65%1.73%1.15%-165 bps
Share Growth (YoY)6.55%8.21%8.27%7.16%5.87%-68 bps
Asset Quality
Delinquent Loans / Loans0.11%0.87%0.28%0.33%0.43%+32 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 Capital8.95%8.84%8.92%8.71%8.86%-10 bps
Net Worth / Assets8.95%8.84%8.92%8.71%8.86%-10 bps
Liquidity & Funding
Loans / Shares70.61%67.81%67.04%65.83%67.46%-315 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps