Goshen, IN · Charter 82794
NCUA · 16 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.23% | 0.43% | 0.59% | 0.78% | 0.86% | 0.75% | 0.80% | +21 bps | |
| Return on Equity | 2.13% | 2.60% | 5.04% | 6.78% | 8.68% | 9.28% | 8.13% | 8.81% | +203 bps | |
| Net Interest Margin | 2.43% | 2.50% | 2.88% | 2.99% | 3.08% | 3.16% | 3.37% | 3.32% | +33 bps | |
| Efficiency Ratio | 90.69% | 87.80% | 82.52% | 81.01% | 77.51% | 75.90% | 80.02% | 78.78% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.21% | 5.53% | 5.15% | 4.34% | 4.93% | 3.29% | 1.53% | 5.68% | +134 bps | |
| Loan Growth (YoY) | 8.79% | 11.50% | 13.32% | 12.35% | 8.68% | 6.78% | 6.38% | 7.71% | -464 bps | |
| Share Growth (YoY) | 8.80% | 8.47% | 6.77% | 5.06% | 6.68% | 6.83% | 3.05% | 3.32% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.29% | 0.13% | 0.22% | 0.19% | 0.21% | 0.17% | 0.16% | -6 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 | 8.81% | 8.72% | 8.53% | 8.71% | 9.02% | 9.26% | 9.28% | 9.13% | +42 bps | |
| Net Worth / Assets | 8.81% | 8.72% | 8.53% | 8.71% | 9.02% | 9.26% | 9.28% | 9.13% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.77% | 99.91% | 99.01% | 100.87% | 101.64% | 99.86% | 102.20% | 105.16% | +429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |