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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |