Odon, IN · Charter 68672
NCUA · 19 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.11% | 1.18% | 1.46% | 1.43% | +38 bps | |
| Return on Equity | 8.23% | 8.72% | 9.27% | 11.51% | 11.18% | +295 bps | |
| Net Interest Margin | 3.42% | 3.45% | 3.48% | 3.68% | 3.65% | +23 bps | |
| Efficiency Ratio | 68.87% | 67.27% | 65.93% | 60.50% | 61.15% | -772 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 6.83% | 10.34% | 8.19% | 9.60% | +354 bps | |
| Loan Growth (YoY) | 4.77% | 5.00% | 5.64% | 6.44% | 5.51% | +74 bps | |
| Share Growth (YoY) | 8.46% | 13.10% | 12.08% | 7.85% | 9.50% | +104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.22% | 1.31% | 1.15% | 1.69% | +21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.70% | 12.76% | 12.74% | 12.72% | 12.78% | +8 bps | |
| Net Worth / Assets | 12.70% | 12.76% | 12.74% | 12.72% | 12.78% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.91% | 86.32% | 85.80% | 83.81% | 82.78% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |