PackageTrendsPeer
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Four Points

Omaha, NE · Charter 24753

NCUA · 2 branches

Q2 2026

$165.5MAssets
$102.6MLoans
$132.2MShares
$5.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.07%, down 695 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 1.24% of loans (-72 bps YoY).
  • Capital: net worth / assets of 3.57%, down 562 bps from a year ago.
  • Funding: loans stand at 77.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-7.07%-695 bps YoY

Net Interest Margin (quarter, annualized)

2.77%+36 bps YoY

Efficiency Ratio (quarter, annualized)

114.67%+2,989 bps YoY

Net Worth / Assets

3.57%-562 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.22%-0.43%-0.52%-7.07%-695 bps
Return on Equity-1.22%-2.39%-4.78%-7.23%-198.07%-19,685 bps
Net Interest Margin2.41%2.38%2.41%2.26%2.77%+36 bps
Efficiency Ratio84.78%90.96%93.06%119.68%114.67%+2,989 bps
Growth
Asset Growth (YoY)5.23%-0.93%-2.10%-2.63%-14.05%-1,929 bps
Loan Growth (YoY)11.89%1.14%-11.02%-11.53%-21.13%-3,303 bps
Share Growth (YoY)3.64%-2.25%-0.59%-1.29%-9.55%-1,320 bps
Asset Quality
Delinquent Loans / Loans1.96%1.01%1.24%2.25%1.24%-72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.18%9.31%9.03%7.14%3.57%-562 bps
Net Worth / Assets9.18%9.31%9.03%7.14%3.57%-562 bps
Liquidity & Funding
Loans / Shares89.01%86.25%81.70%77.88%77.62%-1,140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps