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 | |