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 | |