PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indiana Members

Indianapolis, IN · Charter 68259

NCUA · 32 branches

Q2 2026

$3.6BAssets
$2.2BLoans
$3.1BShares
$380.3MNet 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 1.11%, up 29 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.49% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.56%, up 40 bps from a year ago.
  • Funding: loans stand at 70.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.11%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+30 bps YoY

Efficiency Ratio (quarter, annualized)

66.58%-335 bps YoY

Net Worth / Assets

10.56%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.81%0.85%0.96%1.11%+29 bps
Return on Equity8.07%7.84%8.24%9.13%10.48%+241 bps
Net Interest Margin2.78%2.85%2.83%3.05%3.08%+30 bps
Efficiency Ratio69.93%70.90%70.20%69.43%66.58%-335 bps
Growth
Asset Growth (YoY)8.19%4.47%10.22%3.68%4.75%-344 bps
Loan Growth (YoY)6.82%8.07%8.74%11.04%9.52%+270 bps
Share Growth (YoY)12.27%8.70%6.35%2.22%1.28%-1,099 bps
Asset Quality
Delinquent Loans / Loans0.31%0.40%0.42%0.43%0.49%+18 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 Capital10.16%10.38%10.35%10.56%10.56%+40 bps
Net Worth / Assets10.16%10.38%10.35%10.56%10.56%+40 bps
Liquidity & Funding
Loans / Shares65.25%67.59%69.33%68.86%70.56%+530 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps