Morrill, NE · Charter 24695
NCUA · 2 branches
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
20
Asset Quality
4
Profitability
33
Liquidity
22
Efficiency
12
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.
Morrill, NE · Charter 24695
NCUA · 2 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 | -0.08% | -0.06% | 0.06% | 0.34% | 0.25% | -0.23% | -0.29% | 0.00% | -34 bps | |
| Return on Equity | -0.78% | -0.60% | 0.58% | 3.35% | 2.39% | -2.17% | -2.87% | 0.01% | -334 bps | |
| Net Interest Margin | 3.93% | 3.68% | 3.81% | 3.76% | 4.09% | 4.41% | 4.63% | 4.31% | +55 bps | |
| Efficiency Ratio | 94.67% | 94.22% | 92.32% | 87.29% | 89.07% | 98.00% | 99.25% | 93.65% | +636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 10.51% | 14.99% | 12.58% | 3.71% | -3.96% | -5.10% | -3.80% | -1,638 bps | |
| Loan Growth (YoY) | -1.48% | 1.65% | 5.11% | 3.02% | 11.39% | 8.70% | 10.02% | 7.33% | +431 bps | |
| Share Growth (YoY) | 9.84% | 12.30% | 17.18% | 13.83% | 3.94% | -4.09% | -5.20% | -3.69% | -1,752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.19% | 4.20% | 1.08% | 1.58% | 2.19% | 4.31% | 1.16% | 4.28% | +270 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 | 1.69% | 1.62% | 0.83% | 0.37% | 0.36% | 0.64% | 0.73% | 0.84% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.86% | 10.33% | 9.90% | 10.13% | 10.66% | 10.42% | 10.02% | 10.03% | -10 bps | |
| Net Worth / Assets | 10.86% | 10.33% | 9.90% | 10.13% | 10.66% | 10.42% | 10.02% | 10.03% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.25% | 77.82% | 75.39% | 78.11% | 87.07% | 88.20% | 87.49% | 87.05% | +894 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morrill, NE · Charter 24695 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
4.31%
Rank 423 of 1,683
Efficiency Ratio
93.68%
Rank 1,480 of 1,682
Equity / Assets
10.02%
Rank 1,339 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | ||
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | ||
| Net Interest Margin | 4.31% | 3.31% | 3.82% | 4.32% | Beats 75% | 423 / 1,683 | ||
| Efficiency Ratio | 93.68% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,480 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.29% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,610 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,339 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,339 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.04% | 52.61% | 69.38% | 83.50% | 81st pctl | 318 / 1,683 | ||
| Loans / Assets | 78.30% | 44.71% | 59.18% | 70.72% | 89th pctl | 184 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||