PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lakota

Kyle, SD · Charter 24847

NCUA · 1 branch

Q2 2026

$19.7MAssets
$7.9MLoans
$12.2MShares
$4.3MNet 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 8.80%, up 313 bps year over year; NIM at 13.34%.
  • Asset quality: problem loans at 1.46% of loans (-63 bps YoY).
  • Capital: net worth / assets of 22.07%, down 1,102 bps from a year ago.
  • Funding: loans stand at 65.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.80%+313 bps YoY

Net Interest Margin (YTD, annualized)

13.34%+1,032 bps YoY

Efficiency Ratio (YTD, annualized)

46.44%-2,274 bps YoY

Net Worth / Assets

22.07%-1,102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.67%4.30%2.64%-3.27%8.80%+313 bps
Return on Equity17.14%17.75%11.44%-14.46%39.87%+2,273 bps
Net Interest Margin3.02%3.09%3.12%3.13%13.34%+1,032 bps
Efficiency Ratio69.18%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 / Loans2.09%0.61%0.43%0.72%1.46%-63 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 Capital33.10%24.23%23.07%22.63%22.07%-1,102 bps
Net Worth / Assets33.10%24.23%23.07%22.63%22.07%-1,102 bps
Liquidity & Funding
Loans / Shares74.44%73.90%70.37%69.87%65.00%-944 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps