Ames, IA · Charter 61664
NCUA · 2 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 | 0.65% | 0.77% | 1.21% | 0.99% | 0.91% | 0.97% | 0.86% | 0.86% | -13 bps | |
| Return on Equity | 5.84% | 6.83% | 10.79% | 8.81% | 7.98% | 8.42% | 7.57% | 7.54% | -127 bps | |
| Net Interest Margin | 2.69% | 2.66% | 2.81% | 2.87% | 2.93% | 2.94% | 2.77% | 2.79% | -8 bps | |
| Efficiency Ratio | 74.22% | 69.01% | 56.18% | 63.93% | 64.89% | 64.51% | 67.90% | 68.11% | +418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 4.18% | 4.05% | 6.00% | 6.55% | 5.76% | 7.55% | 6.40% | +40 bps | |
| Loan Growth (YoY) | -7.52% | -12.54% | -11.38% | -9.27% | -6.32% | 1.33% | 3.75% | 5.45% | +1,472 bps | |
| Share Growth (YoY) | 7.16% | 4.07% | 3.23% | 5.66% | 6.20% | 5.55% | 7.44% | 6.17% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.00% | 0.50% | 0.74% | 0.81% | 0.81% | 1.24% | 1.05% | +32 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 | 11.21% | 11.22% | 11.25% | 11.27% | 11.37% | 11.53% | 11.34% | 11.43% | +15 bps | |
| Net Worth / Assets | 11.21% | 11.22% | 11.25% | 11.27% | 11.37% | 11.53% | 11.34% | 11.43% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.80% | 67.68% | 65.05% | 62.84% | 62.46% | 64.98% | 62.81% | 62.42% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |