Gregory, SD · Charter 22719
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
17
Asset Quality
84
Profitability
52
Liquidity
52
Efficiency
40
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.
Gregory, SD · Charter 22719
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 | 0.97% | 0.90% | 0.98% | 1.12% | 1.31% | 1.18% | 0.82% | 0.84% | -28 bps | |
| Return on Equity | 10.58% | 9.90% | 10.74% | 11.80% | 12.92% | 12.15% | 9.02% | 8.71% | -308 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.62% | 3.75% | 3.93% | 3.67% | 3.20% | 3.29% | -46 bps | |
| Efficiency Ratio | 78.38% | 79.95% | 79.43% | 77.35% | 74.68% | 75.83% | 80.67% | 81.26% | +392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.93% | 5.38% | -0.55% | -2.31% | 2.20% | 6.75% | 13.53% | 9.93% | +1,224 bps | |
| Loan Growth (YoY) | -4.05% | -6.78% | -1.60% | 1.95% | 1.13% | -1.36% | -0.21% | 0.92% | -103 bps | |
| Share Growth (YoY) | 6.52% | 4.86% | -1.64% | -3.60% | 1.26% | 6.20% | 13.68% | 9.75% | +1,335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.24% | 0.31% | 0.44% | 0.24% | 0.11% | 0.51% | 0.14% | -31 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 | 9.15% | 9.07% | 9.13% | 9.46% | 10.14% | 9.67% | 9.12% | 9.65% | +19 bps | |
| Net Worth / Assets | 9.15% | 9.07% | 9.13% | 9.46% | 10.14% | 9.67% | 9.12% | 9.65% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.62% | 58.85% | 57.45% | 59.28% | 61.55% | 54.67% | 50.43% | 54.51% | -477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gregory, SD · Charter 22719 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 742 of 1,683
Net Interest Margin
3.29%
Rank 1,276 of 1,683
Efficiency Ratio
81.42%
Rank 1,004 of 1,682
Equity / Assets
9.65%
Rank 1,405 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 56% | 742 / 1,683 | ||
| Return on Equity | 8.73% | 2.67% | 5.89% | 8.74% | Beats 75% | 428 / 1,681 | ||
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,276 / 1,683 | ||
| Efficiency Ratio | 81.42% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,004 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 274 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,405 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,405 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.51% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,223 / 1,683 | ||
| Loans / Assets | 49.05% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,145 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||