Scottsbluff, NE · Charter 3558
NCUA · 1 branch
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
92
Asset Quality
3
Profitability
31
Liquidity
66
Efficiency
8
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.
Scottsbluff, NE · Charter 3558
NCUA · 1 branch
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 | -1.03% | -0.42% | -1.33% | -0.24% | 0.13% | 0.07% | -0.23% | -1.40% | -116 bps | |
| Return on Equity | -4.60% | -1.90% | -5.99% | -1.04% | 0.51% | 0.28% | -0.93% | -5.96% | -492 bps | |
| Net Interest Margin | 3.79% | 3.76% | 3.92% | 4.08% | 4.43% | 4.40% | 4.77% | 4.73% | +65 bps | |
| Efficiency Ratio | 107.45% | 96.46% | 103.32% | 100.65% | 95.00% | 95.48% | 100.34% | 98.98% | -167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.15% | 0.53% | -2.03% | 0.66% | -7.19% | -7.61% | -7.99% | -4.48% | -515 bps | |
| Loan Growth (YoY) | 15.56% | 3.53% | -5.16% | 0.63% | -2.78% | 4.22% | 2.82% | -2.49% | -312 bps | |
| Share Growth (YoY) | -5.97% | 1.48% | 1.50% | 3.28% | -6.43% | -10.45% | -10.63% | -5.12% | -841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.24% | 3.80% | 2.92% | 2.19% | 1.66% | 2.31% | 2.53% | 5.67% | +348 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 | 2.22% | 2.50% | 2.50% | 2.04% | 1.85% | 2.03% | 2.08% | 3.27% | +123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.41% | 22.20% | 22.16% | 22.88% | 24.61% | 24.10% | 24.45% | 23.44% | +57 bps | |
| Net Worth / Assets | 22.41% | 22.20% | 22.16% | 22.88% | 24.61% | 24.10% | 24.45% | 23.44% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.41% | 70.15% | 69.55% | 75.10% | 82.50% | 81.64% | 80.02% | 77.18% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Scottsbluff, NE · Charter 3558 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.38%
Rank 1,632 of 1,683
Net Interest Margin
4.73%
Rank 240 of 1,683
Efficiency Ratio
98.95%
Rank 1,547 of 1,682
Equity / Assets
23.44%
Rank 131 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.38% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,632 / 1,683 | ||
| Return on Equity | -5.91% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,598 / 1,681 | ||
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 240 / 1,683 | ||
| Efficiency Ratio | 98.95% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,547 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.67% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,635 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.44% | 10.44% | 12.89% | 16.53% | Beats 92% | 131 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.44% | 10.44% | 12.89% | 16.53% | Beats 92% | 131 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.17% | 52.61% | 69.38% | 83.50% | 64th pctl | 600 / 1,683 | ||
| Loans / Assets | 60.14% | 44.71% | 59.18% | 70.72% | 52nd pctl | 807 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||