Wabash, IN · Charter 82791
NCUA · 26 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 | 0.26% | 0.30% | 0.24% | 0.24% | 0.32% | 0.44% | 0.58% | 0.68% | +45 bps | |
| Return on Equity | 1.76% | 2.00% | 1.62% | 1.79% | 2.39% | 3.34% | 4.38% | 5.06% | +326 bps | |
| Net Interest Margin | 2.13% | 2.17% | 2.35% | 2.27% | 2.44% | 2.49% | 2.78% | 2.85% | +58 bps | |
| Efficiency Ratio | 90.85% | 89.64% | 90.64% | 88.66% | 87.18% | 84.14% | 80.00% | 78.03% | -1,063 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | 0.58% | 2.54% | 14.49% | 11.34% | 15.78% | 15.23% | 2.67% | -1,182 bps | |
| Loan Growth (YoY) | 4.13% | 5.52% | 5.79% | 17.19% | 16.48% | 15.30% | 14.47% | 6.24% | -1,095 bps | |
| Share Growth (YoY) | -3.51% | -3.76% | -0.82% | 14.31% | 15.97% | 21.54% | 18.75% | 1.70% | -1,261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.16% | 0.47% | 0.24% | 0.28% | 0.10% | 0.61% | 0.47% | +24 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 | 14.60% | 14.72% | 14.70% | 13.19% | 13.44% | 13.16% | 13.30% | 13.52% | +32 bps | |
| Net Worth / Assets | 14.60% | 14.72% | 14.70% | 13.19% | 13.44% | 13.16% | 13.30% | 13.52% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.88% | 87.44% | 85.54% | 85.28% | 86.26% | 82.96% | 82.46% | 89.09% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |