PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East River

Madison, SD · Charter 11353

NCUA · 1 branch

Q2 2026

$41.9MAssets
$15.8MLoans
$37.1MShares
$4.7MNet 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 1.16%, up 1 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.19% of loans (+52 bps YoY).
  • Capital: net worth / assets of 11.12%, up 55 bps from a year ago.
  • Funding: loans stand at 42.61% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.87%-3 bps YoY

Efficiency Ratio (quarter, annualized)

76.21%-712 bps YoY

Net Worth / Assets

11.12%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%-0.06%0.27%1.46%1.16%+1 bps
Return on Equity10.82%-0.50%2.43%13.30%10.40%-42 bps
Net Interest Margin3.90%3.90%3.87%3.76%3.87%-3 bps
Efficiency Ratio83.33%102.10%94.17%71.69%76.21%-712 bps
Growth
Asset Growth (YoY)0.99%0.71%1.65%4.78%9.66%+867 bps
Loan Growth (YoY)-17.67%-20.08%-22.39%-23.67%-18.17%-50 bps
Share Growth (YoY)-2.84%-0.18%-0.82%3.59%9.08%+1,193 bps
Asset Quality
Delinquent Loans / Loans0.67%0.89%1.01%1.40%1.19%+52 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 Capital10.57%11.01%11.02%10.98%11.12%+55 bps
Net Worth / Assets10.57%11.01%11.02%10.98%11.12%+55 bps
Liquidity & Funding
Loans / Shares56.81%53.41%48.06%42.84%42.61%-1,419 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps