Kyle, SD · Charter 24847
NCUA · 1 branch
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
91
Asset Quality
22
Profitability
100
Liquidity
86
Efficiency
97
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.
Kyle, SD · Charter 24847
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 | 5.67% | 4.30% | 2.64% | -3.27% | 8.80% | +313 bps | |
| Return on Equity | 17.14% | 17.75% | 11.44% | -14.46% | 39.87% | +2,273 bps | |
| Net Interest Margin | 3.02% | 3.09% | 3.12% | 3.13% | 13.34% | +1,032 bps | |
| Efficiency Ratio | 69.18% | 73.13% | 76.89% | 111.94% | 46.44% | -2,274 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 44.59% | 19.58% | 18.82% | 7.26% | 5.15% | -3,944 bps | |
| Loan Growth (YoY) | 21.77% | 23.07% | 15.67% | 8.62% | 4.01% | -1,777 bps | |
| Share Growth (YoY) | 40.83% | 11.58% | 15.90% | 7.65% | 19.11% | -2,172 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.09% | 0.61% | 0.43% | 0.72% | 1.46% | -63 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 | 33.10% | 24.23% | 23.07% | 22.63% | 22.07% | -1,102 bps | |
| Net Worth / Assets | 33.10% | 24.23% | 23.07% | 22.63% | 22.07% | -1,102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.44% | 73.90% | 70.37% | 69.87% | 65.00% | -944 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kyle, SD · Charter 24847 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
8.80%
Rank 1 of 1,683
Net Interest Margin
13.34%
Rank 1 of 1,683
Efficiency Ratio
46.45%
Rank 45 of 1,682
Equity / Assets
22.07%
Rank 159 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 8.80% | 0.35% | 0.74% | 1.18% | Beats 100% | 1 / 1,683 | |
| Return on Equity | 39.86% | 2.67% | 5.89% | 8.74% | Beats 100% | 2 / 1,681 | |
| Net Interest Margin | 13.34% | 3.31% | 3.82% | 4.32% | Beats 100% | 1 / 1,683 | |
| Efficiency Ratio | 46.45% | 68.91% | 78.20% | 86.93% | Beats 97% | 45 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.45% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,311 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.07% | 10.44% | 12.89% | 16.53% | Beats 91% | 159 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.07% | 10.44% | 12.89% | 16.53% | Beats 91% | 159 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.00% | 52.61% | 69.38% | 83.50% | 42nd pctl | 976 / 1,683 | |
| Loans / Assets | 40.16% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,362 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||