PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lee County

Keokuk, IA · Charter 61393

NCUA · 1 branch

Q2 2026

$3.2MAssets
$1.7MLoans
$2.2MShares
$1.0MNet 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 1.28%, unchanged from a year ago; NIM at 5.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 31.82%, up 200 bps from a year ago.
  • Funding: loans stand at 79.82% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.28%0 bps YoY

Net Interest Margin (quarter, annualized)

5.66%-40 bps YoY

Efficiency Ratio (quarter, annualized)

76.49%+774 bps YoY

Net Worth / Assets

31.82%+200 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.15%0.99%0.76%1.28%0 bps
Return on Equity4.30%3.81%3.20%2.52%4.03%-27 bps
Net Interest Margin6.06%5.90%5.87%4.94%5.66%-40 bps
Efficiency Ratio68.75%68.67%72.99%84.79%76.49%+774 bps
Growth
Asset Growth (YoY)-2.48%-1.22%-2.89%2.28%-3.33%-86 bps
Loan Growth (YoY)-13.29%-16.85%-26.89%-22.48%-18.48%-519 bps
Share Growth (YoY)-4.93%-2.99%-5.44%1.96%-6.12%-118 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%0.95%1.17%1.18%1.26%+19 bps
Capital
Risk-Based Capital29.81%30.33%31.13%30.22%31.82%+200 bps
Net Worth / Assets29.81%30.33%31.13%30.22%31.82%+200 bps
Liquidity & Funding
Loans / Shares91.93%87.81%81.54%76.90%79.82%-1,211 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps