Alliance, NE · Charter 4176
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | -0.99% | -1.11% | 0.17% | 0.90% | +217 bps | |
| Return on Equity | -17.73% | -13.63% | -16.69% | 2.36% | 10.84% | +2,858 bps | |
| Net Interest Margin | 2.21% | 2.41% | 2.64% | 3.83% | 5.29% | +307 bps | |
| Efficiency Ratio | 148.81% | 134.62% | 119.45% | 96.24% | 85.01% | -6,381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.16% | 4.50% | 6.75% | -4.69% | -18.27% | -3,643 bps | |
| Loan Growth (YoY) | -4.43% | -5.80% | -5.05% | -5.40% | -9.77% | -534 bps | |
| Share Growth (YoY) | 20.35% | 6.05% | 9.35% | -3.31% | -18.40% | -3,875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 3.55% | 2.52% | 1.71% | 1.31% | +104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.50% | 1.25% | 1.35% | 1.38% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Net Worth / Assets | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.05% | 68.85% | 64.70% | 67.21% | 76.35% | +730 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |