Columbus, IN · Charter 68287
NCUA · 29 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 | 0.48% | 0.40% | 0.57% | 0.75% | 0.78% | 0.69% | 0.93% | 1.21% | +46 bps | |
| Return on Equity | 3.86% | 3.22% | 4.76% | 6.14% | 6.32% | 5.73% | 7.76% | 9.80% | +366 bps | |
| Net Interest Margin | 3.33% | 3.35% | 3.50% | 3.56% | 3.61% | 3.59% | 3.84% | 3.92% | +37 bps | |
| Efficiency Ratio | 74.63% | 76.05% | 74.77% | 74.10% | 74.26% | 75.42% | 70.39% | 67.05% | -704 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 2.37% | 0.93% | 5.56% | 5.60% | 9.31% | 7.14% | 6.41% | +86 bps | |
| Loan Growth (YoY) | 0.24% | 0.72% | -1.26% | -0.26% | 2.80% | 4.24% | 3.99% | 6.27% | +652 bps | |
| Share Growth (YoY) | 6.59% | 5.84% | 4.12% | 6.45% | 5.36% | 8.76% | 6.74% | 6.01% | -44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.96% | 0.62% | 1.00% | 1.18% | 1.05% | 0.77% | 0.96% | -5 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 | 12.46% | 12.47% | 12.08% | 12.25% | 12.31% | 12.00% | 11.94% | 12.34% | +9 bps | |
| Net Worth / Assets | 12.46% | 12.47% | 12.08% | 12.25% | 12.31% | 12.00% | 11.94% | 12.34% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.58% | 87.56% | 83.53% | 84.26% | 85.46% | 83.92% | 81.38% | 84.47% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |