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East Chicago Firemen's

East Chicago, IN · Charter 82772

NCUA · 1 branch

Q2 2025

$592KAssets
$16KLoans
$467KShares
$124KNet 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 -1.57%, down 42 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.96%, up 206 bps from a year ago.
  • Funding: loans stand at 3.40% of shares as of Q2 2025.

Financial Results

Return on Assets (quarter, annualized)

-1.57%-42 bps YoY

Net Interest Margin (quarter, annualized)

1.56%0 bps YoY

Efficiency Ratio (quarter, annualized)

201%+2,670 bps YoY

Net Worth / Assets

20.96%+206 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-1.16%-1.53%-1.50%-1.69%-1.57%-42 bps
Return on Equity-6.11%-7.64%-7.42%-8.14%-7.49%-138 bps
Net Interest Margin1.57%1.67%1.66%1.60%1.56%0 bps
Efficiency Ratio173.87%191.57%189.77%205%201%+2,670 bps
Growth
Asset Growth (YoY)-12.40%-5.95%-17.64%-23.00%-16.60%-420 bps
Loan Growth (YoY)-34.99%-41.45%-49.24%-44.23%-45.54%-1,055 bps
Share Growth (YoY)-13.93%-5.92%-19.99%-26.31%-18.73%-480 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.34%17.93%20.68%24.13%28.16%+1,282 bps
Capital
Risk-Based Capital18.91%19.95%20.18%20.72%20.96%+206 bps
Net Worth / Assets18.91%19.95%20.18%20.72%20.96%+206 bps
Liquidity & Funding
Loans / Shares5.07%4.76%4.25%3.84%3.40%-167 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps