East Chicago, IN · Charter 82772
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.58% | -2.52% | -1.23% | -1.16% | -1.53% | -1.50% | -1.69% | -1.57% | -42 bps | |
| Return on Equity | -17.97% | -14.11% | -7.13% | -6.11% | -7.64% | -7.42% | -8.14% | -7.49% | -138 bps | |
| Net Interest Margin | 2.07% | 1.88% | 1.34% | 1.57% | 1.67% | 1.66% | 1.60% | 1.56% | 0 bps | |
| Efficiency Ratio | n/a | 4343% | 191.40% | 173.87% | 191.57% | 189.77% | 205% | 201% | +2,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -30.69% | -24.64% | -13.98% | -12.40% | -5.95% | -17.64% | -23.00% | -16.60% | -420 bps | |
| Loan Growth (YoY) | 26.76% | 34.88% | 28.18% | -34.99% | -41.45% | -49.24% | -44.23% | -45.54% | -1,055 bps | |
| Share Growth (YoY) | -34.14% | -26.89% | -14.98% | -13.93% | -5.92% | -19.99% | -26.31% | -18.73% | -480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 10.50% | 10.50% | 13.46% | 15.34% | 17.93% | 20.68% | 24.13% | 28.16% | +1,282 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.95% | 17.85% | 17.18% | 18.91% | 19.95% | 20.18% | 20.72% | 20.96% | +206 bps | |
| Net Worth / Assets | 19.95% | 17.85% | 17.18% | 18.91% | 19.95% | 20.18% | 20.72% | 20.96% | +206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.65% | 6.70% | 5.08% | 5.07% | 4.76% | 4.25% | 3.84% | 3.40% | -167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |