PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

One Vision

Clarksville, IN · Charter 9097

NCUA · 3 branches

Q2 2026

$65.2MAssets
$21.6MLoans
$57.0MShares
$8.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 34 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.67% of loans (+65 bps YoY).
  • Capital: net worth / assets of 12.78%, up 55 bps from a year ago.
  • Funding: loans stand at 38.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+27 bps YoY

Efficiency Ratio (YTD, annualized)

78.03%-888 bps YoY

Net Worth / Assets

12.78%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.59%0.52%0.50%0.71%+34 bps
Return on Equity3.03%4.69%4.17%3.98%5.54%+251 bps
Net Interest Margin2.69%2.78%2.81%2.86%2.97%+27 bps
Efficiency Ratio86.92%80.93%83.16%79.50%78.03%-888 bps
Growth
Asset Growth (YoY)2.12%2.16%2.08%2.13%1.33%-79 bps
Loan Growth (YoY)-5.79%-6.37%-5.36%-2.92%-5.52%+27 bps
Share Growth (YoY)2.61%1.78%1.71%1.97%1.25%-135 bps
Asset Quality
Delinquent Loans / Loans0.02%0.78%0.82%0.78%0.67%+65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.23%12.54%12.58%12.43%12.78%+55 bps
Net Worth / Assets12.23%12.54%12.58%12.43%12.78%+55 bps
Liquidity & Funding
Loans / Shares40.72%40.91%40.41%39.36%38.00%-272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps