Powell, WY · Charter 12794
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
2
Asset Quality
100
Profitability
8
Liquidity
75
Efficiency
8
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.
Powell, WY · Charter 12794
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 | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Return on Equity | 0.15% | 0.14% | 0.09% | 0.02% | 0.08% | 0.07% | 0.11% | 0.13% | +10 bps | |
| Net Interest Margin | 1.74% | 1.74% | 1.63% | 1.63% | 1.63% | 1.68% | 1.49% | 1.57% | -7 bps | |
| Efficiency Ratio | 96.17% | 96.30% | 96.40% | 96.77% | 96.54% | 96.72% | 96.20% | 96.49% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 6.65% | 6.01% | 8.88% | 7.30% | 6.15% | 8.14% | 12.23% | +335 bps | |
| Loan Growth (YoY) | -6.19% | -3.47% | -1.35% | -2.04% | 0.63% | 3.47% | 2.00% | 1.72% | +376 bps | |
| Share Growth (YoY) | 1.01% | 7.30% | 6.59% | 9.74% | 7.99% | 6.71% | 8.87% | 13.31% | +357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 1.19% | 1.17% | 1.23% | 0.00% | 0 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 | 0.90% | 0.93% | 0.98% | 0.96% | 0.96% | 0.96% | 1.03% | 0.34% | -62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.69% | 8.52% | 8.35% | 8.18% | 8.11% | 8.03% | 7.73% | 7.30% | -88 bps | |
| Net Worth / Assets | 8.69% | 8.52% | 8.35% | 8.18% | 8.11% | 8.03% | 7.73% | 7.30% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.81% | 87.45% | 82.47% | 83.57% | 84.62% | 84.79% | 77.27% | 75.02% | -855 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Powell, WY · Charter 12794 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
1.55%
Rank 1,670 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
7.31%
Rank 1,657 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | ||
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | ||
| Net Interest Margin | 1.55% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,670 / 1,683 | ||
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.31% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,657 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.31% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,657 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.00% | 52.61% | 69.38% | 83.50% | 60th pctl | 673 / 1,683 | ||
| Loans / Assets | 69.54% | 44.71% | 59.18% | 70.72% | 72nd pctl | 463 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||