Chadron, NE · Charter 13966
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.92% | 0.66% | -2.60% | 1.03% | +5 bps | |
| Return on Equity | 7.84% | 6.90% | 5.34% | -20.29% | 7.97% | +13 bps | |
| Net Interest Margin | 4.98% | 5.23% | 5.00% | 5.04% | 5.06% | +8 bps | |
| Efficiency Ratio | 77.38% | 78.18% | 80.29% | 80.67% | 81.65% | +427 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.64% | -1.75% | 2.46% | -1.50% | 0.83% | -280 bps | |
| Loan Growth (YoY) | -7.91% | -7.61% | -6.45% | -6.71% | -4.13% | +378 bps | |
| Share Growth (YoY) | 4.00% | -2.95% | 2.04% | -2.50% | -0.01% | -401 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 13.27% | 12.41% | 12.80% | 12.94% | +36 bps | |
| Net Worth / Assets | 12.58% | 13.27% | 12.41% | 12.80% | 12.94% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |