Hagerstown, IN · Charter 68719
NCUA · 3 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 | 0.20% | 0.30% | 0.21% | 0.55% | 0.69% | 0.79% | 0.76% | 0.90% | +35 bps | |
| Return on Equity | 1.70% | 2.58% | 1.89% | 4.82% | 5.78% | 6.49% | 6.27% | 7.06% | +224 bps | |
| Net Interest Margin | 3.23% | 3.27% | 3.16% | 3.45% | 3.65% | 3.73% | 4.01% | 4.16% | +71 bps | |
| Efficiency Ratio | 93.27% | 91.16% | 93.90% | 85.47% | 84.16% | 82.65% | 83.35% | 81.82% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | 0.45% | 4.33% | 4.70% | 2.61% | 3.19% | -1.34% | -3.24% | -795 bps | |
| Loan Growth (YoY) | -3.36% | -5.16% | -4.48% | -6.49% | -9.46% | -8.83% | -7.18% | -8.20% | -170 bps | |
| Share Growth (YoY) | -1.48% | -0.22% | 3.76% | 3.98% | 1.62% | 1.24% | -3.17% | -4.75% | -873 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 2.53% | 2.27% | 1.91% | 1.78% | 2.34% | 1.82% | 2.21% | +30 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 | 11.53% | 11.72% | 11.13% | 11.42% | 11.91% | 12.14% | 12.20% | 12.77% | +135 bps | |
| Net Worth / Assets | 11.53% | 11.72% | 11.13% | 11.42% | 11.91% | 12.14% | 12.20% | 12.77% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.83% | 45.50% | 42.10% | 41.74% | 41.72% | 40.98% | 40.36% | 40.23% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |