PackageTrendsPeer
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Members Source

Merrillville, IN · Charter 68562

NCUA · 3 branches

Q2 2026

$92.0MAssets
$49.8MLoans
$78.9MShares
$12.8MNet 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 0.84%, up 63 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.83% of loans (+130 bps YoY).
  • Capital: net worth / assets of 13.96%, up 94 bps from a year ago.
  • Funding: loans stand at 63.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.84%+63 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+53 bps YoY

Efficiency Ratio (quarter, annualized)

78.50%-796 bps YoY

Net Worth / Assets

13.96%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.36%0.53%0.81%0.84%+63 bps
Return on Equity1.62%2.76%3.89%6.00%6.01%+440 bps
Net Interest Margin3.18%3.25%3.45%3.63%3.71%+53 bps
Efficiency Ratio86.46%83.49%81.93%82.11%78.50%-796 bps
Growth
Asset Growth (YoY)1.10%0.92%-0.51%-0.30%-0.74%-184 bps
Loan Growth (YoY)-0.88%-0.93%-0.67%-0.29%0.93%+180 bps
Share Growth (YoY)0.90%0.28%-1.51%-1.51%-1.65%-255 bps
Asset Quality
Delinquent Loans / Loans0.53%0.86%2.70%1.47%1.83%+130 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 Capital13.02%13.11%13.58%13.53%13.96%+94 bps
Net Worth / Assets13.02%13.11%13.58%13.53%13.96%+94 bps
Liquidity & Funding
Loans / Shares61.56%61.15%63.51%60.49%63.18%+162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps