Michigan City, IN · Charter 68242
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 | 0.14% | 0.14% | 0.11% | 0.20% | 0.27% | 0.30% | 0.39% | 0.44% | +25 bps | |
| Return on Equity | 1.48% | 1.48% | 1.21% | 2.14% | 2.91% | 3.25% | 4.27% | 4.68% | +254 bps | |
| Net Interest Margin | 2.46% | 2.54% | 2.61% | 2.67% | 2.74% | 2.74% | 2.82% | 2.91% | +24 bps | |
| Efficiency Ratio | 95.20% | 94.88% | 93.94% | 91.23% | 89.66% | 88.73% | 88.20% | 86.93% | -429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.72% | 1.42% | 3.86% | 8.33% | 5.04% | 6.16% | 4.00% | 1.13% | -720 bps | |
| Loan Growth (YoY) | 3.46% | 3.72% | 5.73% | -2.43% | -2.75% | 1.05% | -2.79% | -1.11% | +132 bps | |
| Share Growth (YoY) | -1.39% | 0.74% | 2.08% | 6.67% | 5.33% | 5.15% | 4.31% | 1.34% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.96% | 0.87% | 1.59% | 1.33% | 1.38% | 1.46% | 1.23% | -36 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 | 9.57% | 9.60% | 9.16% | 9.15% | 9.34% | 9.35% | 9.17% | 9.47% | +32 bps | |
| Net Worth / Assets | 9.57% | 9.60% | 9.16% | 9.15% | 9.34% | 9.35% | 9.17% | 9.47% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.28% | 47.10% | 44.77% | 43.82% | 44.57% | 45.27% | 41.72% | 42.76% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |