Humboldt, IA · Charter 61920
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 | 1.07% | 1.18% | 1.42% | 1.22% | 1.25% | 1.05% | 1.09% | 1.25% | +4 bps | |
| Return on Equity | 7.37% | 8.03% | 9.93% | 8.44% | 8.64% | 7.63% | 8.00% | 9.18% | +74 bps | |
| Net Interest Margin | 2.36% | 2.36% | 2.60% | 2.73% | 2.78% | 2.46% | 2.33% | 2.57% | -16 bps | |
| Efficiency Ratio | 45.68% | 46.10% | 48.71% | 45.21% | 43.88% | 46.93% | 49.13% | 43.39% | -182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.24% | 10.20% | 9.40% | 10.84% | 9.63% | 15.10% | 13.15% | 14.63% | +379 bps | |
| Loan Growth (YoY) | 30.95% | 22.71% | 20.49% | 23.81% | 22.56% | 20.37% | 15.13% | 9.37% | -1,445 bps | |
| Share Growth (YoY) | 14.48% | 10.45% | 9.52% | 11.09% | 10.08% | 15.73% | 13.53% | 15.21% | +412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.93% | 0.75% | 2.47% | 3.70% | 1.41% | 0.90% | 2.29% | -17 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 | 14.49% | 14.66% | 14.31% | 14.41% | 14.52% | 13.79% | 13.63% | 13.67% | -75 bps | |
| Net Worth / Assets | 14.49% | 14.66% | 14.31% | 14.41% | 14.52% | 13.79% | 13.63% | 13.67% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.09% | 75.96% | 76.23% | 80.87% | 82.48% | 79.00% | 77.30% | 76.76% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |