PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Power Co-op Employees

Humboldt, IA · Charter 61920

NCUA · 1 branch

Q2 2026

$85.6MAssets
$56.0MLoans
$73.0MShares
$11.7MNet 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 1.25%, up 4 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 2.29% of loans (-17 bps YoY).
  • Capital: net worth / assets of 13.67%, down 75 bps from a year ago.
  • Funding: loans stand at 76.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-16 bps YoY

Efficiency Ratio (YTD, annualized)

43.39%-182 bps YoY

Net Worth / Assets

13.67%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.25%1.05%1.09%1.25%+4 bps
Return on Equity8.44%8.64%7.63%8.00%9.18%+74 bps
Net Interest Margin2.73%2.78%2.46%2.33%2.57%-16 bps
Efficiency Ratio45.21%43.88%46.93%49.13%43.39%-182 bps
Growth
Asset Growth (YoY)10.84%9.63%15.10%13.15%14.63%+379 bps
Loan Growth (YoY)23.81%22.56%20.37%15.13%9.37%-1,445 bps
Share Growth (YoY)11.09%10.08%15.73%13.53%15.21%+412 bps
Asset Quality
Delinquent Loans / Loans2.47%3.70%1.41%0.90%2.29%-17 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 Capital14.41%14.52%13.79%13.63%13.67%-75 bps
Net Worth / Assets14.41%14.52%13.79%13.63%13.67%-75 bps
Liquidity & Funding
Loans / Shares80.87%82.48%79.00%77.30%76.76%-410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps