Aberdeen, SD · Charter 274
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 | 1.34% | 1.32% | 1.31% | 1.34% | 1.37% | +3 bps | |
| Return on Equity | 8.02% | 7.73% | 7.81% | 8.02% | 8.01% | -2 bps | |
| Net Interest Margin | 3.87% | 3.94% | 3.81% | 3.78% | 3.84% | -2 bps | |
| Efficiency Ratio | 65.27% | 66.97% | 67.29% | 68.97% | 69.21% | +394 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.42% | 3.36% | 6.75% | 4.05% | 5.94% | +153 bps | |
| Loan Growth (YoY) | 9.81% | 11.63% | 11.05% | 9.68% | 9.70% | -11 bps | |
| Share Growth (YoY) | 3.80% | 2.33% | 6.31% | 3.32% | 5.44% | +164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.38% | 0.55% | 0.48% | 0.47% | -5 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 | 16.72% | 17.07% | 16.72% | 16.72% | 17.10% | +38 bps | |
| Net Worth / Assets | 16.72% | 17.07% | 16.72% | 16.72% | 17.10% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.27% | 84.73% | 81.82% | 81.47% | 85.59% | +333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |