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 | |