Michigan City, IN · Charter 68596
NCUA · 4 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 | 1.14% | 1.31% | 1.42% | 1.56% | 1.62% | 1.71% | 1.25% | 1.30% | -26 bps | |
| Return on Equity | 9.63% | 10.86% | 11.78% | 12.43% | 12.45% | 12.91% | 9.62% | 9.68% | -275 bps | |
| Net Interest Margin | 2.68% | 2.81% | 3.17% | 3.31% | 3.37% | 3.39% | 3.26% | 3.32% | +2 bps | |
| Efficiency Ratio | 72.22% | 68.38% | 65.93% | 62.71% | 62.26% | 60.83% | 63.68% | 61.71% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 9.70% | 9.00% | 7.73% | 4.52% | 4.65% | 5.53% | 5.91% | -181 bps | |
| Loan Growth (YoY) | 5.11% | 4.36% | 4.78% | 3.39% | 1.43% | 2.46% | 5.95% | 7.69% | +430 bps | |
| Share Growth (YoY) | 2.62% | 9.18% | 8.44% | 6.81% | 3.10% | 3.23% | 4.33% | 4.89% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.25% | 0.17% | 0.32% | 1.71% | 1.28% | 1.12% | 3.08% | +276 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 | 11.87% | 12.09% | 12.05% | 12.58% | 13.03% | 13.26% | 13.03% | 13.44% | +86 bps | |
| Net Worth / Assets | 11.87% | 12.09% | 12.05% | 12.58% | 13.03% | 13.26% | 13.03% | 13.44% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.32% | 31.97% | 30.47% | 31.31% | 31.80% | 31.73% | 30.94% | 32.14% | +84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |