Morrill, NE · Charter 24695
NCUA · 2 branches
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 | 0.34% | 0.25% | -0.23% | -0.29% | 0.00% | -34 bps | |
| Return on Equity | 3.35% | 2.39% | -2.17% | -2.87% | 0.01% | -334 bps | |
| Net Interest Margin | 3.76% | 4.09% | 4.41% | 4.63% | 4.31% | +55 bps | |
| Efficiency Ratio | 87.29% | 89.07% | 98.00% | 99.25% | 93.65% | +636 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.58% | 3.71% | -3.96% | -5.10% | -3.80% | -1,638 bps | |
| Loan Growth (YoY) | 3.02% | 11.39% | 8.70% | 10.02% | 7.33% | +431 bps | |
| Share Growth (YoY) | 13.83% | 3.94% | -4.09% | -5.20% | -3.69% | -1,752 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.37% | 0.36% | 0.64% | 0.73% | 0.84% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.13% | 10.66% | 10.42% | 10.02% | 10.03% | -10 bps | |
| Net Worth / Assets | 10.13% | 10.66% | 10.42% | 10.02% | 10.03% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |