Rapid City, SD · Charter 16444
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
20
Asset Quality
59
Profitability
46
Liquidity
0
Efficiency
79
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.
Rapid City, SD · Charter 16444
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 | 0.62% | 0.60% | 0.61% | 0.84% | 0.90% | +28 bps | |
| Return on Equity | 5.78% | 6.11% | 6.25% | 8.54% | 9.03% | +325 bps | |
| Net Interest Margin | 2.50% | 2.29% | 2.26% | 2.33% | 2.42% | -8 bps | |
| Efficiency Ratio | 78.30% | 77.11% | 76.40% | 68.64% | 67.16% | -1,114 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | 17.94% | 19.51% | 19.82% | 17.27% | +1,262 bps | |
| Loan Growth (YoY) | -6.51% | -0.32% | -0.98% | 4.72% | 0.51% | +702 bps | |
| Share Growth (YoY) | 4.48% | 20.07% | 21.16% | 21.24% | 18.30% | +1,382 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.61% | 0.22% | 0.59% | 0.50% | -15 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 | 10.81% | 9.88% | 9.76% | 9.79% | 10.00% | -81 bps | |
| Net Worth / Assets | 10.81% | 9.88% | 9.76% | 9.79% | 10.00% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.42% | 30.27% | 28.62% | 29.05% | 28.39% | -503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rapid City, SD · Charter 16444 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.90%
Rank 684 of 1,683
Net Interest Margin
2.43%
Rank 1,626 of 1,683
Efficiency Ratio
67.08%
Rank 361 of 1,682
Equity / Assets
10.00%
Rank 1,345 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 684 / 1,683 | |
| Return on Equity | 9.00% | 2.67% | 5.89% | 8.74% | Beats 77% | 390 / 1,681 | |
| Net Interest Margin | 2.43% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,626 / 1,683 | |
| Efficiency Ratio | 67.08% | 68.91% | 78.20% | 86.93% | Beats 79% | 361 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 698 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.00% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,345 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.00% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,345 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.39% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,609 / 1,683 | |
| Loans / Assets | 25.41% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,592 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||