PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indiana University

Bloomington, IN · Charter 68577

NCUA · 8 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BShares
$247.0MNet 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 1.06%, up 8 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.67% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.80%, down 20 bps from a year ago.
  • Funding: loans stand at 88.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+23 bps YoY

Efficiency Ratio (YTD, annualized)

64.05%-264 bps YoY

Net Worth / Assets

11.80%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.98%0.94%1.01%1.06%+8 bps
Return on Equity8.16%8.16%7.87%8.64%9.00%+85 bps
Net Interest Margin2.59%2.61%2.64%2.81%2.82%+23 bps
Efficiency Ratio66.69%65.58%65.88%66.39%64.05%-264 bps
Growth
Asset Growth (YoY)9.50%9.17%12.22%10.58%10.45%+95 bps
Loan Growth (YoY)8.92%7.53%7.69%8.64%10.17%+125 bps
Share Growth (YoY)16.27%14.14%13.06%11.21%11.15%-512 bps
Asset Quality
Delinquent Loans / Loans0.66%0.65%0.74%0.70%0.67%+2 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 Capital12.01%11.97%11.94%11.71%11.80%-20 bps
Net Worth / Assets12.01%11.97%11.94%11.71%11.80%-20 bps
Liquidity & Funding
Loans / Shares89.30%88.26%88.71%86.22%88.51%-79 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps