Huron, SD · Charter 167
NCUA · 13 branches
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
30
Asset Quality
55
Profitability
70
Liquidity
61
Efficiency
77
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.
Huron, SD · Charter 167
NCUA · 13 branches
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 | 1.01% | 1.29% | 1.28% | 1.41% | 1.54% | +53 bps | |
| Return on Equity | 10.13% | 12.42% | 12.17% | 13.27% | 14.21% | +408 bps | |
| Net Interest Margin | 3.04% | 3.14% | 3.22% | 3.31% | 3.39% | +35 bps | |
| Efficiency Ratio | 76.52% | 72.90% | 72.93% | 69.59% | 67.69% | -883 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.95% | 7.70% | 4.08% | 3.48% | 6.72% | -323 bps | |
| Loan Growth (YoY) | 8.57% | 10.73% | 7.90% | 7.40% | 7.47% | -110 bps | |
| Share Growth (YoY) | 11.00% | 8.01% | 3.83% | 3.38% | 3.29% | -771 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.54% | 0.46% | 0.53% | 0.57% | -4 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 | 9.99% | 10.38% | 10.54% | 10.61% | 10.87% | +88 bps | |
| Net Worth / Assets | 9.99% | 10.38% | 10.54% | 10.61% | 10.87% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.10% | 77.62% | 76.08% | 74.74% | 78.14% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huron, SD · Charter 167 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
1.54%
Rank 227 of 1,683
Net Interest Margin
3.39%
Rank 1,212 of 1,683
Efficiency Ratio
67.69%
Rank 385 of 1,682
Equity / Assets
10.87%
Rank 1,178 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.35% | 0.74% | 1.18% | Beats 87% | 227 / 1,683 | |
| Return on Equity | 14.21% | 2.67% | 5.89% | 8.74% | Beats 96% | 62 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,212 / 1,683 | |
| Efficiency Ratio | 67.69% | 68.91% | 78.20% | 86.93% | Beats 77% | 385 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.65% | 1.29% | Beats 55% | 764 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.87% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,178 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.87% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,178 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.14% | 52.61% | 69.38% | 83.50% | 66th pctl | 571 / 1,683 | |
| Loans / Assets | 67.00% | 44.71% | 59.18% | 70.72% | 66th pctl | 564 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||