Lander, WY · Charter 16009
NCUA · 3 branches
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 | 1.43% | 1.38% | 1.26% | 1.43% | 1.35% | 1.29% | 1.33% | 1.39% | -5 bps | |
| Return on Equity | 10.99% | 10.51% | 9.82% | 10.87% | 9.98% | 9.46% | 9.65% | 10.02% | -85 bps | |
| Net Interest Margin | 3.57% | 3.57% | 3.68% | 3.72% | 3.80% | 3.83% | 3.91% | 3.79% | +7 bps | |
| Efficiency Ratio | 67.28% | 66.98% | 69.16% | 66.88% | 67.10% | 65.85% | 66.45% | 65.32% | -156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.57% | 8.70% | 10.63% | 9.32% | 6.41% | 5.37% | 2.13% | 4.11% | -522 bps | |
| Loan Growth (YoY) | 0.98% | 3.65% | 8.74% | 9.64% | 9.00% | 8.24% | 5.83% | 6.30% | -334 bps | |
| Share Growth (YoY) | 6.67% | 8.02% | 10.22% | 8.73% | 5.71% | 4.61% | 0.97% | 3.35% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.51% | 0.60% | 0.66% | 0.91% | 0.80% | 0.25% | 0.23% | -43 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 | 13.03% | 13.12% | 12.82% | 13.18% | 13.47% | 13.65% | 13.77% | 13.83% | +65 bps | |
| Net Worth / Assets | 13.03% | 13.12% | 12.82% | 13.18% | 13.47% | 13.65% | 13.77% | 13.83% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.45% | 82.23% | 81.13% | 83.05% | 85.02% | 85.08% | 85.03% | 85.42% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |