Box Elder, SD · Charter 10257
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
48
Profitability
53
Liquidity
69
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Box Elder, SD · Charter 10257
NCUA · 8 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 | 0.90% | 0.93% | 1.42% | 1.24% | 1.05% | 0.97% | 0.56% | 0.62% | -62 bps | |
| Return on Equity | 8.44% | 9.20% | 13.88% | 11.65% | 9.86% | 9.14% | 5.23% | 5.70% | -596 bps | |
| Net Interest Margin | 3.79% | 3.61% | 4.06% | 4.14% | 4.11% | 4.11% | 4.19% | 4.20% | +6 bps | |
| Efficiency Ratio | 78.51% | 76.77% | 73.04% | 74.45% | 76.13% | 76.77% | 83.60% | 83.18% | +873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | 14.78% | 16.89% | 14.53% | 11.86% | 4.29% | 2.33% | 4.83% | -970 bps | |
| Loan Growth (YoY) | 5.03% | 1.49% | 4.40% | 6.75% | 5.89% | 12.04% | 16.95% | 20.68% | +1,393 bps | |
| Share Growth (YoY) | 3.97% | 15.70% | 16.24% | 13.55% | 11.66% | 3.28% | 1.63% | 4.83% | -872 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.86% | 0.75% | 1.37% | 0.82% | 0.45% | 0.33% | 0.71% | -66 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 | 10.70% | 10.08% | 10.25% | 10.64% | 10.65% | 10.63% | 10.78% | 10.83% | +18 bps | |
| Net Worth / Assets | 10.70% | 10.08% | 10.25% | 10.64% | 10.65% | 10.63% | 10.78% | 10.83% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.69% | 64.05% | 62.97% | 66.37% | 67.04% | 69.48% | 72.46% | 76.41% | +1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Box Elder, SD · Charter 10257 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.62%
Rank 992 of 1,683
Net Interest Margin
4.20%
Rank 514 of 1,683
Efficiency Ratio
83.18%
Rank 1,098 of 1,682
Equity / Assets
10.83%
Rank 1,189 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 992 / 1,683 | ||
| Return on Equity | 5.70% | 2.67% | 5.89% | 8.74% | Beats 48% | 874 / 1,681 | ||
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 69% | 514 / 1,683 | ||
| Efficiency Ratio | 83.18% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,098 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 882 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.83% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,189 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.83% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,189 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.41% | 52.61% | 69.38% | 83.50% | 62nd pctl | 634 / 1,683 | ||
| Loans / Assets | 67.58% | 44.71% | 59.18% | 70.72% | 68th pctl | 540 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||