PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fortress

Marion, IN · Charter 7392

NCUA · 1 branch

Q2 2026

$22.3MAssets
$11.7MLoans
$18.3MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.69%, up 6 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.08% of loans (-195 bps YoY).
  • Capital: net worth / assets of 17.59%, down 52 bps from a year ago.
  • Funding: loans stand at 63.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-44 bps YoY

Efficiency Ratio (YTD, annualized)

76.97%+39 bps YoY

Net Worth / Assets

17.59%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.78%0.88%1.62%0.69%+6 bps
Return on Equity3.52%4.31%4.82%8.94%3.94%+42 bps
Net Interest Margin4.00%3.92%3.92%3.62%3.56%-44 bps
Efficiency Ratio76.58%77.27%76.30%70.43%76.97%+39 bps
Growth
Asset Growth (YoY)3.45%5.63%3.10%2.22%7.93%+447 bps
Loan Growth (YoY)-3.63%-6.30%-9.63%-6.51%-5.25%-162 bps
Share Growth (YoY)3.46%5.76%2.67%0.99%8.48%+502 bps
Asset Quality
Delinquent Loans / Loans2.03%0.44%0.03%0.34%0.08%-195 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.11%18.17%18.29%18.13%17.59%-52 bps
Net Worth / Assets18.11%18.17%18.29%18.13%17.59%-52 bps
Liquidity & Funding
Loans / Shares73.11%70.84%68.51%65.54%63.86%-925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps