Aberdeen, SD · Charter 23371
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
7
Asset Quality
16
Profitability
28
Liquidity
18
Efficiency
54
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.
Aberdeen, SD · Charter 23371
NCUA · 1 branch
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 | 0.61% | 0.77% | 0.76% | 0.42% | 0.29% | -32 bps | |
| Return on Equity | 7.21% | 8.86% | 8.72% | 4.89% | 3.35% | -386 bps | |
| Net Interest Margin | 3.23% | 3.39% | 3.42% | 3.55% | 3.51% | +28 bps | |
| Efficiency Ratio | 78.26% | 77.10% | 77.61% | 76.56% | 76.92% | -134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.61% | -3.45% | -3.11% | 3.09% | 5.59% | +921 bps | |
| Loan Growth (YoY) | 5.60% | 8.75% | 7.45% | 7.12% | 6.31% | +70 bps | |
| Share Growth (YoY) | -2.91% | -5.81% | -4.30% | 1.81% | 4.51% | +742 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 1.15% | 0.83% | 1.01% | 1.80% | +123 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 | 8.40% | 8.71% | 8.75% | 8.58% | 8.54% | +14 bps | |
| Net Worth / Assets | 8.40% | 8.71% | 8.75% | 8.58% | 8.54% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.53% | 92.94% | 90.91% | 86.95% | 88.03% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aberdeen, SD · Charter 23371 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 1,322 of 1,683
Net Interest Margin
3.51%
Rank 1,115 of 1,683
Efficiency Ratio
76.93%
Rank 775 of 1,682
Equity / Assets
8.54%
Rank 1,567 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,322 / 1,683 | |
| Return on Equity | 3.36% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,169 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,115 / 1,683 | |
| Efficiency Ratio | 76.93% | 68.91% | 78.20% | 86.93% | Beats 54% | 775 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.80% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,409 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.54% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,567 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.54% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,567 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.03% | 52.61% | 69.38% | 83.50% | 83rd pctl | 283 / 1,683 | |
| Loans / Assets | 78.99% | 44.71% | 59.18% | 70.72% | 90th pctl | 165 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||