Keokuk, IA · Charter 61393
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 | 1.97% | 1.52% | 1.04% | 1.28% | 1.15% | 0.99% | 0.76% | 1.28% | 0 bps | |
| Return on Equity | 6.77% | 5.19% | 3.47% | 4.30% | 3.81% | 3.20% | 2.52% | 4.03% | -27 bps | |
| Net Interest Margin | 5.83% | 5.86% | 5.60% | 6.06% | 5.90% | 5.87% | 4.94% | 5.66% | -40 bps | |
| Efficiency Ratio | 63.64% | 64.82% | 77.54% | 68.75% | 68.67% | 72.99% | 84.79% | 76.49% | +774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -3.39% | -5.76% | -2.48% | -1.22% | -2.89% | 2.28% | -3.33% | -86 bps | |
| Loan Growth (YoY) | -10.26% | -7.55% | -8.49% | -13.29% | -16.85% | -26.89% | -22.48% | -18.48% | -519 bps | |
| Share Growth (YoY) | -9.12% | -6.51% | -9.39% | -4.93% | -2.99% | -5.44% | 1.96% | -6.12% | -118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 1.30% | 1.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.93% | 1.42% | 1.61% | 1.08% | 0.95% | 1.17% | 1.18% | 1.26% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.07% | 29.26% | 29.99% | 29.81% | 30.33% | 31.13% | 30.22% | 31.82% | +200 bps | |
| Net Worth / Assets | 29.07% | 29.26% | 29.99% | 29.81% | 30.33% | 31.13% | 30.22% | 31.82% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.44% | 105.46% | 101.14% | 91.93% | 87.81% | 81.54% | 76.90% | 79.82% | -1,211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |