Hammond, IN · Charter 82762
NCUA · 1 branch
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 | 1.57% | 1.28% | 1.09% | -0.41% | 1.12% | 0.79% | 1.66% | 0.45% | +87 bps | |
| Return on Equity | 5.59% | 4.57% | 3.91% | -1.47% | 4.07% | 2.82% | 5.63% | 1.57% | +304 bps | |
| Net Interest Margin | 4.43% | 4.05% | 4.60% | 3.61% | 4.12% | 4.02% | 5.28% | 1.75% | -186 bps | |
| Efficiency Ratio | 64.66% | 68.33% | 76.28% | 111.47% | 72.78% | 80.37% | 68.66% | 74.00% | -3,747 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.49% | -3.89% | 1.88% | 3.56% | 4.27% | 3.31% | -1.78% | 1.14% | -242 bps | |
| Loan Growth (YoY) | 0.77% | -22.04% | -20.07% | -11.71% | -14.13% | 35.63% | 33.43% | 27.80% | +3,951 bps | |
| Share Growth (YoY) | -11.37% | -6.92% | 1.47% | 4.32% | 4.91% | 3.45% | -3.78% | -0.08% | -440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 2.04% | 3.50% | 2.60% | 2.93% | 1.55% | 1.51% | 1.41% | -119 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 | 12.09% | 12.81% | 13.86% | 13.35% | 14.08% | 9.45% | 10.38% | 10.44% | -290 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.01% | 28.05% | 27.95% | 28.07% | 27.56% | 27.94% | 29.41% | 28.93% | +87 bps | |
| Net Worth / Assets | 28.01% | 28.05% | 27.95% | 28.07% | 27.56% | 27.94% | 29.41% | 28.93% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.91% | 31.90% | 29.06% | 30.43% | 27.76% | 41.82% | 40.30% | 38.92% | +849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |