PackageTrendsPeer
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Metco

Cedar Rapids, IA · Charter 60013

NCUA · 1 branch

Q2 2026

$58.7MAssets
$33.5MLoans
$47.3MShares
$11.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.65%, up 10 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.70% of loans (+40 bps YoY).
  • Capital: net worth / assets of 18.81%, up 194 bps from a year ago.
  • Funding: loans stand at 70.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.65%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+15 bps YoY

Efficiency Ratio (YTD, annualized)

50.71%+93 bps YoY

Net Worth / Assets

18.81%+194 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.55%2.68%2.65%2.18%2.65%+10 bps
Return on Equity15.12%15.42%14.61%12.00%14.09%-103 bps
Net Interest Margin4.27%4.28%4.39%4.39%4.42%+15 bps
Efficiency Ratio49.78%48.43%50.03%54.57%50.71%+93 bps
Growth
Asset Growth (YoY)6.48%6.56%6.36%5.42%4.43%-206 bps
Loan Growth (YoY)0.07%4.54%5.83%5.71%3.00%+293 bps
Share Growth (YoY)5.19%4.87%4.06%3.17%1.94%-325 bps
Asset Quality
Delinquent Loans / Loans0.30%0.24%0.18%0.25%0.70%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.87%17.35%18.11%18.20%18.81%+194 bps
Net Worth / Assets16.87%17.35%18.11%18.20%18.81%+194 bps
Liquidity & Funding
Loans / Shares70.12%71.34%72.68%70.53%70.85%+73 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps