Sioux Falls, SD · Charter 3458
NCUA · 5 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
21
Asset Quality
42
Profitability
64
Liquidity
63
Efficiency
65
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 3458
NCUA · 5 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 | 0.14% | 0.09% | 1.19% | 0.97% | 0.84% | 0.68% | 0.95% | 0.98% | +1 bps | |
| Return on Equity | 1.31% | 0.86% | 11.85% | 9.46% | 8.26% | 6.86% | 9.61% | 9.75% | +29 bps | |
| Net Interest Margin | 3.37% | 3.41% | 3.57% | 3.63% | 3.64% | 3.62% | 3.68% | 3.73% | +11 bps | |
| Efficiency Ratio | 83.26% | 82.67% | 76.68% | 75.86% | 74.65% | 77.73% | 74.33% | 72.94% | -292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.63% | 6.90% | 7.59% | 8.04% | 8.27% | 9.44% | 8.30% | 9.11% | +107 bps | |
| Loan Growth (YoY) | -0.59% | 1.77% | 2.33% | 2.60% | 6.70% | 8.55% | 8.95% | 9.03% | +643 bps | |
| Share Growth (YoY) | 5.91% | 8.20% | 8.26% | 8.52% | 5.98% | 6.82% | 6.34% | 7.10% | -142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.25% | 1.08% | 1.28% | 0.89% | 0.65% | 0.75% | 0.83% | -46 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 | 10.38% | 10.21% | 10.07% | 10.23% | 10.15% | 9.96% | 9.87% | 10.03% | -20 bps | |
| Net Worth / Assets | 10.38% | 10.21% | 10.07% | 10.23% | 10.15% | 9.96% | 9.87% | 10.03% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.00% | 78.48% | 74.52% | 76.32% | 79.53% | 79.75% | 76.34% | 77.69% | +137 bps | |
| Liquid Assets / Assets | 99.34% | 99.45% | 99.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sioux Falls, SD · Charter 3458 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.98%
Rank 612 of 1,683
Net Interest Margin
3.73%
Rank 914 of 1,683
Efficiency Ratio
72.93%
Rank 588 of 1,682
Equity / Assets
10.03%
Rank 1,336 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.35% | 0.74% | 1.18% | Beats 64% | 612 / 1,683 | ||
| Return on Equity | 9.76% | 2.67% | 5.89% | 8.74% | Beats 81% | 311 / 1,681 | ||
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 46% | 914 / 1,683 | ||
| Efficiency Ratio | 72.93% | 68.91% | 78.20% | 86.93% | Beats 65% | 588 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.26% | 0.65% | 1.29% | Beats 42% | 979 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,336 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,336 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.69% | 52.61% | 69.38% | 83.50% | 65th pctl | 586 / 1,683 | ||
| Loans / Assets | 67.96% | 44.71% | 59.18% | 70.72% | 69th pctl | 521 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||