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 | |