Chadron, NE · Charter 13966
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
51
Asset Quality
22
Profitability
76
Liquidity
47
Efficiency
40
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.
Chadron, NE · Charter 13966
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 | 0.59% | 0.60% | 1.20% | 0.99% | 0.92% | 0.66% | -2.60% | 1.03% | +5 bps | |
| Return on Equity | 4.74% | 4.92% | 9.88% | 7.84% | 6.90% | 5.34% | -20.29% | 7.97% | +13 bps | |
| Net Interest Margin | 5.00% | 5.03% | 4.93% | 4.98% | 5.23% | 5.00% | 5.04% | 5.06% | +8 bps | |
| Efficiency Ratio | 76.51% | 78.06% | 72.69% | 77.38% | 78.18% | 80.29% | 80.67% | 81.65% | +427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | 3.69% | 9.41% | 3.64% | -1.75% | 2.46% | -1.50% | 0.83% | -280 bps | |
| Loan Growth (YoY) | 4.43% | -1.31% | -6.41% | -7.91% | -7.61% | -6.45% | -6.71% | -4.13% | +378 bps | |
| Share Growth (YoY) | 0.44% | 7.50% | 10.47% | 4.00% | -2.95% | 2.04% | -2.50% | -0.01% | -401 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.65% | 1.24% | 2.26% | 2.59% | 1.30% | 1.04% | 1.43% | -83 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 | 12.44% | 12.27% | 12.18% | 12.58% | 13.27% | 12.41% | 12.80% | 12.94% | +36 bps | |
| Net Worth / Assets | 12.44% | 12.27% | 12.18% | 12.58% | 13.27% | 12.41% | 12.80% | 12.94% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.76% | 89.42% | 85.31% | 84.90% | 88.30% | 81.98% | 81.63% | 81.40% | -350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chadron, NE · Charter 13966 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.04%
Rank 562 of 1,683
Net Interest Margin
5.06%
Rank 132 of 1,683
Efficiency Ratio
81.67%
Rank 1,016 of 1,682
Equity / Assets
12.95%
Rank 832 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 562 / 1,683 | ||
| Return on Equity | 8.00% | 2.67% | 5.89% | 8.74% | Beats 70% | 509 / 1,681 | ||
| Net Interest Margin | 5.06% | 3.31% | 3.82% | 4.32% | Beats 92% | 132 / 1,683 | ||
| Efficiency Ratio | 81.67% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,016 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,305 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 832 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 832 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.41% | 52.61% | 69.38% | 83.50% | 72nd pctl | 473 / 1,683 | ||
| Loans / Assets | 70.56% | 44.71% | 59.18% | 70.72% | 75th pctl | 429 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||