Tipton, IN · Charter 8548
NCUA · 5 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 | -0.21% | -0.25% | -0.32% | 0.91% | 0.77% | 0.71% | 0.55% | 0.71% | -19 bps | |
| Return on Equity | -2.63% | -3.14% | -4.23% | 11.14% | 9.32% | 8.40% | 6.42% | 7.64% | -350 bps | |
| Net Interest Margin | 3.50% | 3.61% | 3.74% | 3.93% | 4.00% | 4.07% | 4.13% | 4.65% | +72 bps | |
| Efficiency Ratio | 81.73% | 80.52% | 81.29% | 66.02% | 67.86% | 68.08% | 74.66% | 71.95% | +593 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -2.94% | -0.91% | -2.82% | -0.98% | -0.18% | -1.93% | -8.81% | -599 bps | |
| Loan Growth (YoY) | -0.20% | -0.10% | -0.92% | -1.62% | -1.98% | -4.47% | -6.06% | -6.99% | -537 bps | |
| Share Growth (YoY) | -1.59% | -0.67% | -0.15% | 0.68% | 1.97% | 1.55% | 2.67% | -7.99% | -867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.90% | 1.30% | 1.60% | 2.09% | 1.39% | 1.20% | 1.60% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.87% | 7.88% | 7.62% | 8.15% | 8.23% | 8.40% | 8.49% | 9.36% | +121 bps | |
| Net Worth / Assets | 7.87% | 7.88% | 7.62% | 8.15% | 8.23% | 8.40% | 8.49% | 9.36% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.89% | 95.79% | 92.97% | 92.67% | 92.17% | 90.11% | 85.07% | 93.68% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |