PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Family

Davenport, IA · Charter 60728

NCUA · 10 branches

Q2 2026

$253.3MAssets
$132.8MLoans
$216.0MShares
$35.5MNet 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 0.52%, up 2 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 1.10% of loans (-11 bps YoY).
  • Capital: net worth / assets of 13.99%, up 91 bps from a year ago.
  • Funding: loans stand at 61.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+51 bps YoY

Efficiency Ratio (YTD, annualized)

75.95%+262 bps YoY

Net Worth / Assets

13.99%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.81%0.70%-0.13%0.52%+2 bps
Return on Equity3.84%5.71%4.86%-0.94%3.74%-9 bps
Net Interest Margin3.53%3.86%3.97%3.89%4.04%+51 bps
Efficiency Ratio73.33%72.03%74.42%83.90%75.95%+262 bps
Growth
Asset Growth (YoY)1.75%-2.99%-6.07%-7.57%-1.76%-352 bps
Loan Growth (YoY)-7.70%-7.13%-7.55%-8.20%-6.55%+115 bps
Share Growth (YoY)1.75%-4.03%-7.65%-9.00%-2.90%-464 bps
Asset Quality
Delinquent Loans / Loans1.21%1.06%1.76%1.12%1.10%-11 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 Capital13.09%14.19%14.36%13.95%13.99%+91 bps
Net Worth / Assets13.09%14.19%14.36%13.95%13.99%+91 bps
Liquidity & Funding
Loans / Shares63.86%67.90%66.09%62.28%61.46%-240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps