Norfolk, NE · Charter 14965
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 | 0.52% | 0.69% | 0.67% | 0.03% | 0.16% | -36 bps | |
| Return on Equity | 6.33% | 7.83% | 7.40% | 0.30% | 1.82% | -451 bps | |
| Net Interest Margin | 3.18% | 3.41% | 3.50% | 3.38% | 3.35% | +17 bps | |
| Efficiency Ratio | 86.54% | 83.72% | 84.42% | 97.56% | 94.65% | +812 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.68% | 9.28% | 5.52% | -2.58% | -2.01% | -1,169 bps | |
| Loan Growth (YoY) | -11.20% | -7.98% | -12.32% | -5.19% | 0.28% | +1,149 bps | |
| Share Growth (YoY) | 10.77% | 9.65% | 5.39% | -3.17% | -2.90% | -1,366 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.14% | 0.09% | 0.79% | 0.70% | +58 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 | 8.24% | 8.80% | 9.10% | 9.00% | 8.87% | +63 bps | |
| Net Worth / Assets | 8.24% | 8.80% | 9.10% | 9.00% | 8.87% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.19% | 55.26% | 51.81% | 53.04% | 54.93% | +174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |