Kyle, SD · Charter 24847
NCUA · 1 branch
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 | 8.58% | 5.30% | -14.16% | 5.67% | 4.30% | 2.64% | -3.27% | 8.80% | +313 bps | |
| Return on Equity | 49.59% | 17.61% | -49.50% | 17.14% | 17.75% | 11.44% | -14.46% | 39.87% | +2,273 bps | |
| Net Interest Margin | 2.56% | 2.52% | 2.46% | 3.02% | 3.09% | 3.12% | 3.13% | 13.34% | +1,032 bps | |
| Efficiency Ratio | 59.35% | 67.74% | 184.93% | 69.18% | 73.13% | 76.89% | 111.94% | 46.44% | -2,274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.04% | 17.94% | 27.47% | 44.59% | 19.58% | 18.82% | 7.26% | 5.15% | -3,944 bps | |
| Loan Growth (YoY) | 26.40% | 20.86% | 24.32% | 21.77% | 23.07% | 15.67% | 8.62% | 4.01% | -1,777 bps | |
| Share Growth (YoY) | 66.05% | 29.20% | 33.43% | 40.83% | 11.58% | 15.90% | 7.65% | 19.11% | -2,172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 2.45% | 2.28% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.30% | 30.08% | 28.61% | 33.10% | 24.23% | 23.07% | 22.63% | 22.07% | -1,102 bps | |
| Net Worth / Assets | 17.30% | 30.08% | 28.61% | 33.10% | 24.23% | 23.07% | 22.63% | 22.07% | -1,102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.00% | 70.51% | 69.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |