Mitchell, SD · Charter 13103
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.07% | 0.55% | 0.52% | 0.60% | 0.63% | 0.22% | 0.43% | -9 bps | |
| Return on Equity | 2.19% | 0.74% | 6.06% | 5.74% | 6.37% | 6.52% | 2.24% | 4.35% | -139 bps | |
| Net Interest Margin | 3.12% | 3.00% | 3.71% | 3.67% | 3.61% | 3.62% | 3.50% | 3.51% | -17 bps | |
| Efficiency Ratio | 94.24% | 98.11% | 87.13% | 87.73% | 85.74% | 85.11% | 94.68% | 89.63% | +190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.27% | 13.04% | 9.74% | 10.57% | 8.46% | 0.89% | -2.73% | -3.05% | -1,363 bps | |
| Loan Growth (YoY) | -10.38% | -8.94% | -8.61% | -7.23% | -6.23% | -5.49% | -3.24% | -6.39% | +84 bps | |
| Share Growth (YoY) | 6.39% | 14.10% | 10.47% | 11.58% | 8.54% | -0.62% | -3.94% | -4.44% | -1,603 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.21% | 0.27% | 0.06% | 0.00% | 0.00% | 0.01% | -26 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 | 9.74% | 9.06% | 9.00% | 9.05% | 9.35% | 9.61% | 9.80% | 9.92% | +87 bps | |
| Net Worth / Assets | 9.74% | 9.06% | 9.00% | 9.05% | 9.35% | 9.61% | 9.80% | 9.92% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.98% | 49.59% | 46.08% | 45.24% | 45.77% | 47.15% | 46.42% | 44.32% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |