Sioux Falls, SD · Charter 2874
NCUA · 3 branches
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 | 0.80% | 0.76% | 0.67% | 0.97% | 1.09% | 1.10% | 1.05% | 0.87% | -10 bps | |
| Return on Equity | 9.35% | 8.82% | 7.97% | 11.15% | 12.16% | 11.95% | 11.50% | 9.13% | -202 bps | |
| Net Interest Margin | 3.26% | 3.35% | 3.47% | 3.57% | 3.61% | 3.69% | 3.61% | 3.72% | +16 bps | |
| Efficiency Ratio | 85.34% | 85.13% | 85.35% | 81.65% | 79.91% | 79.35% | 78.25% | 79.15% | -250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 8.06% | 8.68% | 9.89% | 6.77% | 6.20% | 5.02% | 1.59% | -830 bps | |
| Loan Growth (YoY) | -2.68% | -5.08% | -0.81% | -0.71% | 3.79% | 6.20% | 2.36% | 8.94% | +964 bps | |
| Share Growth (YoY) | 4.43% | 8.49% | 7.43% | 9.05% | 5.81% | 3.76% | 2.72% | -0.06% | -912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.62% | 0.52% | 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 | 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 | 8.58% | 8.63% | 8.37% | 8.69% | 8.97% | 9.19% | 9.09% | 9.57% | +88 bps | |
| Net Worth / Assets | 8.58% | 8.63% | 8.37% | 8.69% | 8.97% | 9.19% | 9.09% | 9.57% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.50% | 66.67% | 66.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |