Cedar Rapids, IA · Charter 60013
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 | 2.66% | 2.54% | 2.10% | 2.55% | 2.68% | 2.65% | 2.18% | 2.65% | +10 bps | |
| Return on Equity | 16.81% | 15.45% | 12.81% | 15.12% | 15.42% | 14.61% | 12.00% | 14.09% | -103 bps | |
| Net Interest Margin | 4.27% | 4.36% | 4.24% | 4.27% | 4.28% | 4.39% | 4.39% | 4.42% | +15 bps | |
| Efficiency Ratio | 48.04% | 48.11% | 55.22% | 49.78% | 48.43% | 50.03% | 54.57% | 50.71% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.31% | 4.30% | 4.32% | 6.48% | 6.56% | 6.36% | 5.42% | 4.43% | -206 bps | |
| Loan Growth (YoY) | -3.38% | -2.21% | -1.70% | 0.07% | 4.54% | 5.83% | 5.71% | 3.00% | +293 bps | |
| Share Growth (YoY) | 5.68% | 2.57% | 2.88% | 5.19% | 4.87% | 4.06% | 3.17% | 1.94% | -325 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.23% | 0.35% | 0.30% | 0.24% | 0.18% | 0.25% | 0.70% | +40 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 | 15.82% | 16.45% | 16.42% | 16.87% | 17.35% | 18.11% | 18.20% | 18.81% | +194 bps | |
| Net Worth / Assets | 15.82% | 16.45% | 16.42% | 16.87% | 17.35% | 18.11% | 18.20% | 18.81% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.57% | 71.47% | 68.84% | 70.12% | 71.34% | 72.68% | 70.53% | 70.85% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |