Scottsbluff, NE · Charter 3558
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |