Rapid City, SD · Charter 16444
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.34% | 0.52% | 0.62% | 0.60% | 0.61% | 0.84% | 0.90% | +28 bps | |
| Return on Equity | 3.62% | 3.10% | 4.79% | 5.78% | 6.11% | 6.25% | 8.54% | 9.03% | +325 bps | |
| Net Interest Margin | 2.33% | 2.33% | 2.46% | 2.50% | 2.29% | 2.26% | 2.33% | 2.42% | -8 bps | |
| Efficiency Ratio | 86.40% | 86.01% | 81.48% | 78.30% | 77.11% | 76.40% | 68.64% | 67.16% | -1,114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.51% | 3.42% | 2.34% | 4.66% | 17.94% | 19.51% | 19.82% | 17.27% | +1,262 bps | |
| Loan Growth (YoY) | -8.47% | -8.81% | -10.82% | -6.51% | -0.32% | -0.98% | 4.72% | 0.51% | +702 bps | |
| Share Growth (YoY) | 3.19% | 3.07% | 1.91% | 4.48% | 20.07% | 21.16% | 21.24% | 18.30% | +1,382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.85% | 0.92% | 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 | 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 | 11.07% | 10.93% | 10.90% | 10.81% | 9.88% | 9.76% | 9.79% | 10.00% | -81 bps | |
| Net Worth / Assets | 11.07% | 10.93% | 10.90% | 10.81% | 9.88% | 9.76% | 9.79% | 10.00% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.46% | 35.03% | 33.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |