Hiawatha, IA · Charter 24673
NCUA · 6 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 | -0.70% | -0.78% | -0.90% | -0.38% | -0.41% | -0.51% | -0.59% | -0.48% | -10 bps | |
| Return on Equity | -8.87% | -10.39% | -12.25% | -4.99% | -5.38% | -7.03% | -8.18% | -6.63% | -164 bps | |
| Net Interest Margin | 1.90% | 1.89% | 2.01% | 2.08% | 2.13% | 2.15% | 2.28% | 2.38% | +30 bps | |
| Efficiency Ratio | 111.20% | 112.62% | 111.25% | 96.79% | 98.65% | 100.23% | 105.98% | 104.30% | +751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.51% | -6.34% | -5.81% | -7.36% | -6.67% | -6.41% | -6.48% | -4.33% | +303 bps | |
| Loan Growth (YoY) | -9.62% | -10.13% | -9.19% | -9.15% | -6.53% | -5.66% | -5.73% | -4.81% | +433 bps | |
| Share Growth (YoY) | 2.10% | -1.23% | 0.37% | -1.56% | -0.08% | -1.11% | -3.46% | -0.95% | +61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.55% | 1.08% | 1.74% | 1.15% | 1.25% | 0.71% | 0.88% | -86 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 | 7.87% | 7.49% | 7.35% | 7.69% | 7.68% | 7.32% | 7.26% | 7.29% | -39 bps | |
| Net Worth / Assets | 7.87% | 7.49% | 7.35% | 7.69% | 7.68% | 7.32% | 7.26% | 7.29% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.71% | 98.73% | 94.52% | 94.20% | 95.16% | 94.18% | 92.29% | 90.52% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |