Huron, SD · Charter 167
NCUA · 13 branches
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 | 0.86% | 0.84% | 0.99% | 1.01% | 1.29% | 1.28% | 1.41% | 1.54% | +53 bps | |
| Return on Equity | 8.62% | 8.68% | 10.37% | 10.13% | 12.42% | 12.17% | 13.27% | 14.21% | +408 bps | |
| Net Interest Margin | 2.66% | 2.62% | 2.80% | 3.04% | 3.14% | 3.22% | 3.31% | 3.39% | +35 bps | |
| Efficiency Ratio | 79.70% | 79.47% | 77.87% | 76.52% | 72.90% | 72.93% | 69.59% | 67.69% | -883 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 9.77% | 12.50% | 9.95% | 7.70% | 4.08% | 3.48% | 6.72% | -323 bps | |
| Loan Growth (YoY) | 5.13% | 7.01% | 8.48% | 8.57% | 10.73% | 7.90% | 7.40% | 7.47% | -110 bps | |
| Share Growth (YoY) | 7.21% | 9.86% | 12.84% | 11.00% | 8.01% | 3.83% | 3.38% | 3.29% | -771 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.37% | 0.24% | 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 | 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 | 9.92% | 9.65% | 9.59% | 9.99% | 10.38% | 10.54% | 10.61% | 10.87% | +88 bps | |
| Net Worth / Assets | 9.92% | 9.65% | 9.59% | 9.99% | 10.38% | 10.54% | 10.61% | 10.87% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.72% | 73.21% | 71.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |