Portland, IN · Charter 7002
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 2.12% | 2.04% | 2.17% | 2.16% | 2.30% | 2.09% | 2.37% | +20 bps | |
| Return on Equity | 16.32% | 15.80% | 15.82% | 15.89% | 15.24% | 15.55% | 14.68% | 15.65% | -24 bps | |
| Net Interest Margin | 4.16% | 4.15% | 3.79% | 3.99% | 3.97% | 4.09% | 3.94% | 4.16% | +17 bps | |
| Efficiency Ratio | 59.19% | 58.39% | 57.04% | 55.31% | 55.64% | 54.17% | 56.83% | 54.45% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | 2.76% | 6.37% | 4.47% | 8.14% | 7.30% | 6.72% | 6.50% | +203 bps | |
| Loan Growth (YoY) | 10.33% | 8.64% | 6.45% | 8.40% | 8.48% | 9.10% | 7.69% | 6.33% | -207 bps | |
| Share Growth (YoY) | 2.42% | 1.51% | 5.87% | 3.46% | 6.72% | 5.42% | 4.79% | 4.54% | +107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.29% | 0.04% | 0.15% | 0.06% | 0.05% | 0.21% | 0.05% | -10 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 | 13.05% | 13.41% | 12.89% | 13.64% | 14.17% | 14.77% | 14.23% | 15.12% | +148 bps | |
| Net Worth / Assets | 13.05% | 13.41% | 12.89% | 13.64% | 14.17% | 14.77% | 14.23% | 15.12% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.41% | 53.89% | 50.12% | 53.49% | 55.30% | 55.77% | 51.51% | 54.40% | +92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |