Merrillville, IN · Charter 68562
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 | 0.41% | 0.59% | -0.40% | 0.21% | 0.36% | 0.53% | 0.81% | 0.84% | +63 bps | |
| Return on Equity | 3.24% | 4.52% | -3.14% | 1.62% | 2.76% | 3.89% | 6.00% | 6.01% | +440 bps | |
| Net Interest Margin | 2.88% | 2.93% | 2.90% | 3.18% | 3.25% | 3.45% | 3.63% | 3.71% | +53 bps | |
| Efficiency Ratio | 85.05% | 80.82% | 99.43% | 86.46% | 83.49% | 81.93% | 82.11% | 78.50% | -796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 2.12% | 0.58% | 1.10% | 0.92% | -0.51% | -0.30% | -0.74% | -184 bps | |
| Loan Growth (YoY) | 2.57% | 2.14% | -1.41% | -0.88% | -0.93% | -0.67% | -0.29% | 0.93% | +180 bps | |
| Share Growth (YoY) | 1.41% | 2.04% | 0.55% | 0.90% | 0.28% | -1.51% | -1.51% | -1.65% | -255 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.16% | 0.52% | 0.53% | 0.86% | 2.70% | 1.47% | 1.83% | +130 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 | 12.67% | 12.98% | 12.67% | 13.02% | 13.11% | 13.58% | 13.53% | 13.96% | +94 bps | |
| Net Worth / Assets | 12.67% | 12.98% | 12.67% | 13.02% | 13.11% | 13.58% | 13.53% | 13.96% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.90% | 62.97% | 59.75% | 61.56% | 61.15% | 63.51% | 60.49% | 63.18% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |