Bloomington, IN · Charter 68577
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.88% | 0.95% | 0.98% | 0.98% | 0.94% | 1.01% | 1.06% | +8 bps | |
| Return on Equity | 6.97% | 7.09% | 7.97% | 8.16% | 8.16% | 7.87% | 8.64% | 9.00% | +85 bps | |
| Net Interest Margin | 2.37% | 2.45% | 2.54% | 2.59% | 2.61% | 2.64% | 2.81% | 2.82% | +23 bps | |
| Efficiency Ratio | 70.92% | 69.54% | 68.96% | 66.69% | 65.58% | 65.88% | 66.39% | 64.05% | -264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 5.26% | 5.95% | 9.50% | 9.17% | 12.22% | 10.58% | 10.45% | +95 bps | |
| Loan Growth (YoY) | 9.18% | 8.82% | 8.95% | 8.92% | 7.53% | 7.69% | 8.64% | 10.17% | +125 bps | |
| Share Growth (YoY) | 9.59% | 12.79% | 15.04% | 16.27% | 14.14% | 13.06% | 11.21% | 11.15% | -512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.65% | 0.62% | 0.66% | 0.65% | 0.74% | 0.70% | 0.67% | +2 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 | 12.09% | 12.40% | 11.96% | 12.01% | 11.97% | 11.94% | 11.71% | 11.80% | -20 bps | |
| Net Worth / Assets | 12.09% | 12.40% | 11.96% | 12.01% | 11.97% | 11.94% | 11.71% | 11.80% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.69% | 93.13% | 88.26% | 89.30% | 88.26% | 88.71% | 86.22% | 88.51% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |