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Tlcu Financial

Mishawaka, IN · Charter 68286

NCUA · 2 branches

Q2 2026

$59.4MAssets
$19.4MLoans
$49.5MShares
$9.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, up 7 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.45% of loans (-12 bps YoY).
  • Capital: net worth / assets of 16.01%, up 13 bps from a year ago.
  • Funding: loans stand at 39.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+22 bps YoY

Efficiency Ratio (YTD, annualized)

75.06%+45 bps YoY

Net Worth / Assets

16.01%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.28%0.97%1.08%1.11%1.09%1.10%1.15%+7 bps
Return on Equity8.37%7.95%6.19%6.82%6.92%6.84%7.05%7.18%+36 bps
Net Interest Margin3.39%3.35%3.26%3.37%3.42%3.44%3.53%3.59%+22 bps
Efficiency Ratio70.08%70.03%74.51%74.61%73.78%75.12%74.83%75.06%+45 bps
Growth
Asset Growth (YoY)-0.59%0.32%2.17%3.67%8.02%7.92%8.39%6.61%+294 bps
Loan Growth (YoY)-3.37%-3.69%-2.17%1.19%1.11%0.11%0.54%-0.97%-216 bps
Share Growth (YoY)-2.56%-1.29%1.48%3.12%8.59%8.08%8.47%6.52%+341 bps
Asset Quality
Delinquent Loans / Loans1.44%0.75%0.55%0.57%0.99%1.11%0.47%0.45%-12 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 Capital16.10%16.07%15.70%15.88%15.99%15.97%15.57%16.01%+13 bps
Net Worth / Assets16.10%16.07%15.70%15.88%15.99%15.97%15.57%16.01%+13 bps
Liquidity & Funding
Loans / Shares44.23%43.53%41.66%42.10%41.18%40.31%38.61%39.14%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps