Alliance, NE · Charter 4176
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 | -1.19% | -0.92% | -1.38% | -1.28% | -0.99% | -1.11% | 0.17% | 0.90% | +217 bps | |
| Return on Equity | -14.20% | -11.12% | -18.41% | -17.73% | -13.63% | -16.69% | 2.36% | 10.84% | +2,858 bps | |
| Net Interest Margin | 2.86% | 2.89% | 2.00% | 2.21% | 2.41% | 2.64% | 3.83% | 5.29% | +307 bps | |
| Efficiency Ratio | 123.84% | 118.49% | 158.91% | 148.81% | 134.62% | 119.45% | 96.24% | 85.01% | -6,381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.95% | 17.47% | 19.84% | 18.16% | 4.50% | 6.75% | -4.69% | -18.27% | -3,643 bps | |
| Loan Growth (YoY) | 7.90% | 4.40% | 2.66% | -4.43% | -5.80% | -5.05% | -5.40% | -9.77% | -534 bps | |
| Share Growth (YoY) | 19.03% | 19.78% | 22.26% | 20.35% | 6.05% | 9.35% | -3.31% | -18.40% | -3,875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.13% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.62% | 0.64% | 0.63% | 0.50% | 1.25% | 1.35% | 1.38% | +75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.36% | 8.25% | 7.52% | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Net Worth / Assets | 8.36% | 8.25% | 7.52% | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.51% | 74.51% | 68.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |