PackageTrendsPeer
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Rushmore Electric

Rapid City, SD · Charter 16444

NCUA · 1 branch

Q2 2026

$29.3MAssets
$7.5MLoans
$26.2MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 28 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.50% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.00%, down 81 bps from a year ago.
  • Funding: loans stand at 28.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-8 bps YoY

Efficiency Ratio (YTD, annualized)

67.16%-1,114 bps YoY

Net Worth / Assets

10.00%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.60%0.61%0.84%0.90%+28 bps
Return on Equity5.78%6.11%6.25%8.54%9.03%+325 bps
Net Interest Margin2.50%2.29%2.26%2.33%2.42%-8 bps
Efficiency Ratio78.30%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 / Loans0.65%0.61%0.22%0.59%0.50%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.81%9.88%9.76%9.79%10.00%-81 bps
Net Worth / Assets10.81%9.88%9.76%9.79%10.00%-81 bps
Liquidity & Funding
Loans / Shares33.42%30.27%28.62%29.05%28.39%-503 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps