Mason City, IA · Charter 60718
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 | 0.68% | 0.97% | -0.08% | 1.38% | 0.82% | 1.92% | 1.26% | -0.37% | -175 bps | |
| Return on Equity | 3.86% | 5.48% | -0.52% | 8.13% | 4.66% | 11.31% | 7.45% | -2.16% | -1,029 bps | |
| Net Interest Margin | 3.73% | 3.48% | 3.10% | 4.55% | 0.40% | 5.03% | 4.24% | 2.41% | -214 bps | |
| Efficiency Ratio | 79.18% | 74.32% | 102.47% | 69.66% | 80.44% | 61.32% | 65.95% | 106.68% | +3,702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.93% | 0.00% | 6.32% | 9.33% | -0.03% | 9.88% | 1.46% | -2.34% | -1,166 bps | |
| Loan Growth (YoY) | -0.60% | 0.00% | -9.22% | -14.78% | 0.12% | -17.63% | -10.76% | -9.33% | +544 bps | |
| Share Growth (YoY) | 1.43% | 0.00% | 8.24% | 11.06% | -0.03% | 10.77% | 0.05% | -3.15% | -1,422 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.47% | 0.81% | 1.25% | 0.98% | 0.88% | 0.56% | 0.42% | -83 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 | 17.61% | 17.65% | 16.34% | 16.96% | 17.62% | 16.94% | 16.84% | 17.04% | +8 bps | |
| Net Worth / Assets | 17.61% | 17.65% | 16.34% | 16.96% | 17.62% | 16.94% | 16.84% | 17.04% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.09% | 64.97% | 51.66% | 49.28% | 63.19% | 48.32% | 46.08% | 46.13% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |