Fort Wayne, IN · Charter 7688
NCUA · 15 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 | -0.13% | -0.05% | -0.01% | 0.21% | 0.27% | 0.27% | 0.00% | 0.18% | -3 bps | |
| Return on Equity | -1.34% | -0.52% | -0.11% | 2.12% | 2.64% | 2.69% | -0.03% | 1.87% | -26 bps | |
| Net Interest Margin | 2.99% | 3.07% | 3.27% | 3.39% | 3.47% | 3.49% | 3.50% | 3.62% | +23 bps | |
| Efficiency Ratio | 98.14% | 96.96% | 96.72% | 95.01% | 93.77% | 93.78% | 96.89% | 94.55% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -5.95% | -7.02% | -6.05% | -2.62% | -0.95% | 1.63% | 2.79% | +884 bps | |
| Loan Growth (YoY) | -13.84% | -14.69% | -10.34% | -4.02% | -0.51% | 2.35% | 7.16% | 10.12% | +1,414 bps | |
| Share Growth (YoY) | -5.73% | -5.49% | -8.05% | -6.71% | -3.34% | -1.54% | 1.50% | 2.99% | +970 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.65% | 0.53% | 0.54% | 0.47% | 0.55% | 0.49% | 0.61% | +8 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 | 9.66% | 9.72% | 9.67% | 9.93% | 10.06% | 9.98% | 9.67% | 9.81% | -12 bps | |
| Net Worth / Assets | 9.66% | 9.72% | 9.67% | 9.93% | 10.06% | 9.98% | 9.67% | 9.81% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.48% | 88.41% | 88.63% | 92.28% | 93.12% | 91.90% | 93.57% | 98.67% | +639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |