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Letter portraitLegal landscapeQuarterYTD

Jackson County Co-op

Seymour, IN · Charter 97063

NCUA · 1 branch

Q2 2026

$31.3MAssets
$21.1MLoans
$25.5MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.43%, down 12 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY).
  • Capital: net worth / assets of 18.39%, up 11 bps from a year ago.
  • Funding: loans stand at 82.81% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.43%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.88%+16 bps YoY

Efficiency Ratio (quarter, annualized)

72.89%+263 bps YoY

Net Worth / Assets

18.39%+11 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.41%1.48%1.55%1.28%1.29%1.52%1.43%-12 bps
Return on Equity9.16%8.03%8.63%8.49%7.08%6.93%8.41%7.80%-69 bps
Net Interest Margin4.61%4.73%4.74%4.72%4.50%4.65%5.10%4.88%+16 bps
Efficiency Ratio68.71%71.80%71.37%70.26%73.95%73.65%72.60%72.89%+263 bps
Growth
Asset Growth (YoY)-3.24%-4.18%1.01%0.82%0.23%1.95%1.65%6.40%+558 bps
Loan Growth (YoY)-8.46%-6.17%-7.45%-8.72%-3.81%4.05%5.00%1.58%+1,030 bps
Share Growth (YoY)-5.66%-6.55%-0.34%-0.71%-1.14%0.77%0.46%6.25%+696 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.12%0.00%0.00%0.00%0.00%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.88%17.59%17.10%18.27%18.01%18.54%18.07%18.39%+11 bps
Net Worth / Assets16.88%17.59%17.10%18.27%18.01%18.54%18.07%18.39%+11 bps
Liquidity & Funding
Loans / Shares87.15%89.13%79.25%86.62%84.79%92.03%82.83%82.81%-381 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps