Madison, SD · Charter 11353
NCUA · 1 branch
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
33
Asset Quality
27
Profitability
71
Liquidity
13
Efficiency
56
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.
Madison, SD · Charter 11353
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 | 0.54% | 0.47% | 1.39% | 1.14% | -0.06% | 0.27% | 1.46% | 1.16% | +1 bps | |
| Return on Equity | 4.82% | 4.44% | 13.77% | 10.82% | -0.50% | 2.43% | 13.30% | 10.40% | -42 bps | |
| Net Interest Margin | 3.46% | 3.46% | 3.76% | 3.90% | 3.90% | 3.87% | 3.76% | 3.87% | -3 bps | |
| Efficiency Ratio | 89.46% | 90.47% | 81.59% | 83.33% | 102.10% | 94.17% | 71.69% | 76.21% | -712 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.06% | 1.14% | 1.13% | 0.99% | 0.71% | 1.65% | 4.78% | 9.66% | +867 bps | |
| Loan Growth (YoY) | -3.81% | -6.97% | -12.73% | -17.67% | -20.08% | -22.39% | -23.67% | -18.17% | -50 bps | |
| Share Growth (YoY) | -7.10% | -1.16% | -1.18% | -2.84% | -0.18% | -0.82% | 3.59% | 9.08% | +1,193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.61% | 0.79% | 0.67% | 0.89% | 1.01% | 1.40% | 1.19% | +52 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 | 11.15% | 10.58% | 10.12% | 10.57% | 11.01% | 11.02% | 10.98% | 11.12% | +55 bps | |
| Net Worth / Assets | 11.15% | 10.58% | 10.12% | 10.57% | 11.01% | 11.02% | 10.98% | 11.12% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.70% | 61.41% | 58.14% | 56.81% | 53.41% | 48.06% | 42.84% | 42.61% | -1,419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, SD · Charter 11353 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.16%
Rank 441 of 1,683
Net Interest Margin
3.87%
Rank 799 of 1,683
Efficiency Ratio
76.18%
Rank 738 of 1,682
Equity / Assets
11.12%
Rank 1,125 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 441 / 1,683 | ||
| Return on Equity | 10.40% | 2.67% | 5.89% | 8.74% | Beats 85% | 248 / 1,681 | ||
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 799 / 1,683 | ||
| Efficiency Ratio | 76.18% | 68.91% | 78.20% | 86.93% | Beats 56% | 738 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,228 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.12% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,125 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.12% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,125 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.61% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,453 / 1,683 | ||
| Loans / Assets | 37.73% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,415 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||