North Liberty, IA · Charter 60269
NCUA · 34 branches
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 | 0.28% | 0.20% | 0.32% | 0.29% | 0.24% | 0.02% | 0.59% | 0.54% | +25 bps | |
| Return on Equity | 2.96% | 2.12% | 3.43% | 3.15% | 2.57% | 0.23% | 6.83% | 5.97% | +282 bps | |
| Net Interest Margin | 1.66% | 1.69% | 1.94% | 2.02% | 2.07% | 2.06% | 2.27% | 2.41% | +39 bps | |
| Efficiency Ratio | 80.54% | 80.78% | 78.19% | 75.78% | 75.32% | 76.65% | 76.26% | 75.00% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -6.26% | -3.46% | -0.52% | 1.73% | 4.89% | 4.14% | 1.93% | +245 bps | |
| Loan Growth (YoY) | -9.62% | -6.23% | 0.48% | 2.53% | 3.47% | 2.46% | 0.87% | 1.17% | -136 bps | |
| Share Growth (YoY) | -3.40% | -6.99% | -3.99% | -2.30% | -1.05% | 2.20% | 2.00% | 2.40% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 2.07% | 2.05% | 2.08% | 2.08% | 1.26% | 1.26% | 1.24% | -84 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 | 9.41% | 9.26% | 9.24% | 9.32% | 9.26% | 8.70% | 8.71% | 9.03% | -29 bps | |
| Net Worth / Assets | 9.41% | 9.26% | 9.24% | 9.32% | 9.26% | 8.70% | 8.71% | 9.03% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.71% | 106.32% | 105.30% | 109.04% | 110.54% | 106.60% | 104.13% | 107.73% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |