PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consumer's

Gregory, SD · Charter 22719

NCUA · 1 branch

Q2 2026

$21.4MAssets
$10.5MLoans
$19.2MShares
$2.1MNet 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 0.84%, down 28 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.14% of loans (-31 bps YoY).
  • Capital: net worth / assets of 9.65%, up 19 bps from a year ago.
  • Funding: loans stand at 54.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-46 bps YoY

Efficiency Ratio (YTD, annualized)

81.26%+392 bps YoY

Net Worth / Assets

9.65%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.31%1.18%0.82%0.84%-28 bps
Return on Equity11.80%12.92%12.15%9.02%8.71%-308 bps
Net Interest Margin3.75%3.93%3.67%3.20%3.29%-46 bps
Efficiency Ratio77.35%74.68%75.83%80.67%81.26%+392 bps
Growth
Asset Growth (YoY)-2.31%2.20%6.75%13.53%9.93%+1,224 bps
Loan Growth (YoY)1.95%1.13%-1.36%-0.21%0.92%-103 bps
Share Growth (YoY)-3.60%1.26%6.20%13.68%9.75%+1,335 bps
Asset Quality
Delinquent Loans / Loans0.44%0.24%0.11%0.51%0.14%-31 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 Capital9.46%10.14%9.67%9.12%9.65%+19 bps
Net Worth / Assets9.46%10.14%9.67%9.12%9.65%+19 bps
Liquidity & Funding
Loans / Shares59.28%61.55%54.67%50.43%54.51%-477 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps