Lafayette, IN · Charter 8654
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.87% | 1.06% | -1.04% | 0.36% | +2 bps | |
| Return on Equity | 2.73% | 6.83% | 8.13% | -8.25% | 2.76% | +4 bps | |
| Net Interest Margin | 4.47% | 4.38% | 4.31% | 4.17% | 4.18% | -28 bps | |
| Efficiency Ratio | 64.61% | 63.64% | 64.61% | 79.05% | 72.35% | +774 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.22% | 3.35% | 2.34% | -0.20% | 5.63% | +784 bps | |
| Loan Growth (YoY) | -8.84% | -6.98% | -6.63% | -9.04% | -6.64% | +220 bps | |
| Share Growth (YoY) | -2.62% | 2.96% | 1.19% | -1.14% | 5.18% | +780 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.22% | 1.44% | 0.74% | 0.64% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.00% | 0.00% | 0.00% | 0.00% | -98 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.52% | 12.78% | 12.98% | 12.55% | 12.90% | +38 bps | |
| Net Worth / Assets | 12.52% | 12.78% | 12.98% | 12.55% | 12.90% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.43% | 49.98% | 48.96% | 46.15% | 45.65% | -578 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |