Sioux Falls, SD · Charter 2874
NCUA · 3 branches
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
16
Asset Quality
59
Profitability
60
Liquidity
86
Efficiency
47
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.
Sioux Falls, SD · Charter 2874
NCUA · 3 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 | 0.97% | 1.09% | 1.10% | 1.05% | 0.87% | -10 bps | |
| Return on Equity | 11.15% | 12.16% | 11.95% | 11.50% | 9.13% | -202 bps | |
| Net Interest Margin | 3.57% | 3.61% | 3.69% | 3.61% | 3.72% | +16 bps | |
| Efficiency Ratio | 81.65% | 79.91% | 79.35% | 78.25% | 79.15% | -250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.89% | 6.77% | 6.20% | 5.02% | 1.59% | -830 bps | |
| Loan Growth (YoY) | -0.71% | 3.79% | 6.20% | 2.36% | 8.94% | +964 bps | |
| Share Growth (YoY) | 9.05% | 5.81% | 3.76% | 2.72% | -0.06% | -912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.77% | 0.84% | 0.71% | 0.50% | +7 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 | 8.69% | 8.97% | 9.19% | 9.09% | 9.57% | +88 bps | |
| Net Worth / Assets | 8.69% | 8.97% | 9.19% | 9.09% | 9.57% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.64% | 69.15% | 68.23% | 66.43% | 72.64% | +600 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sioux Falls, SD · Charter 2874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.87%
Rank 715 of 1,683
Net Interest Margin
3.72%
Rank 919 of 1,683
Efficiency Ratio
79.14%
Rank 890 of 1,682
Equity / Assets
9.57%
Rank 1,416 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 715 / 1,683 | |
| Return on Equity | 9.13% | 2.67% | 5.89% | 8.74% | Beats 77% | 379 / 1,681 | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 919 / 1,683 | |
| Efficiency Ratio | 79.14% | 68.91% | 78.20% | 86.93% | Beats 47% | 890 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 685 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,416 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,416 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.64% | 52.61% | 69.38% | 83.50% | 56th pctl | 738 / 1,683 | |
| Loans / Assets | 62.33% | 44.71% | 59.18% | 70.72% | 57th pctl | 717 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||