Hastings, NE · Charter 5291
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 | 2.81% | 3.15% | 2.57% | 2.92% | 3.06% | 2.99% | 2.24% | 2.30% | -63 bps | |
| Return on Equity | 16.35% | 17.60% | 14.23% | 15.20% | 15.13% | 14.47% | 10.90% | 11.05% | -415 bps | |
| Net Interest Margin | 4.69% | 4.97% | 4.39% | 4.59% | 4.78% | 4.70% | 4.42% | 4.47% | -12 bps | |
| Efficiency Ratio | 52.13% | 48.88% | 55.07% | 50.36% | 49.60% | 50.01% | 59.40% | 57.46% | +710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | 1.66% | 1.05% | -0.62% | 2.13% | 1.27% | 1.93% | 5.88% | +650 bps | |
| Loan Growth (YoY) | 9.96% | 9.57% | 7.66% | 4.35% | 1.31% | -1.43% | -4.98% | -3.72% | -807 bps | |
| Share Growth (YoY) | -5.13% | -1.29% | -2.29% | -4.11% | -2.67% | -2.93% | -1.92% | 3.18% | +728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.09% | 0.11% | 0.30% | 0.34% | 0.40% | 0.99% | 0.36% | +7 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 | 17.18% | 17.89% | 18.04% | 19.24% | 20.20% | 20.65% | 20.51% | 20.78% | +154 bps | |
| Net Worth / Assets | 17.18% | 17.89% | 18.04% | 19.24% | 20.20% | 20.65% | 20.51% | 20.78% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.87% | 88.17% | 87.68% | 89.51% | 92.50% | 89.54% | 84.95% | 83.53% | -598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |