Terre Haute, IN · Charter 8925
NCUA · 1 branch
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 | 2.69% | 2.49% | 3.03% | 2.73% | 2.66% | 2.22% | 1.19% | 1.31% | -142 bps | |
| Return on Equity | 13.37% | 12.26% | 16.05% | 12.94% | 12.30% | 10.57% | 5.89% | 6.28% | -666 bps | |
| Net Interest Margin | 4.56% | 4.53% | 4.36% | 4.74% | 4.76% | 4.54% | 4.11% | 4.27% | -48 bps | |
| Efficiency Ratio | 53.91% | 53.69% | 52.70% | 53.24% | 54.20% | 54.99% | 60.61% | 61.44% | +821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 5.60% | 12.75% | 4.18% | 4.77% | 7.67% | 1.94% | 9.19% | +500 bps | |
| Loan Growth (YoY) | -0.45% | -3.69% | -1.98% | -2.13% | -1.27% | 0.65% | 0.03% | 2.35% | +448 bps | |
| Share Growth (YoY) | 3.95% | 3.90% | 12.27% | 1.85% | 2.86% | 6.65% | 0.53% | 9.79% | +794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.61% | 3.35% | 2.09% | 2.18% | 1.59% | 1.92% | 1.47% | 0.64% | -154 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 | 20.10% | 20.29% | 18.90% | 21.07% | 21.64% | 21.05% | 20.17% | 20.81% | -26 bps | |
| Net Worth / Assets | 20.10% | 20.29% | 18.90% | 21.07% | 21.64% | 21.05% | 20.17% | 20.81% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.65% | 79.11% | 69.95% | 77.97% | 78.38% | 74.66% | 69.60% | 72.68% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |