Jber, AK · Charter 6237
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 | 0.25% | 0.22% | 0.21% | 0.33% | 0.53% | 0.40% | 0.81% | 0.84% | +52 bps | |
| Return on Equity | 3.03% | 2.74% | 2.60% | 3.89% | 6.33% | 4.99% | 9.94% | 9.07% | +518 bps | |
| Net Interest Margin | 2.73% | 2.64% | 2.73% | 2.92% | 2.93% | 2.86% | 3.30% | 3.59% | +67 bps | |
| Efficiency Ratio | 91.16% | 92.00% | 92.62% | 85.98% | 80.48% | 84.94% | 76.37% | 78.87% | -711 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -7.46% | -3.96% | 0.04% | 3.41% | 5.35% | 6.38% | -1.59% | -162 bps | |
| Loan Growth (YoY) | -20.49% | -21.80% | -18.31% | -14.41% | -7.39% | -0.28% | 3.05% | -4.55% | +986 bps | |
| Share Growth (YoY) | -9.29% | -8.28% | -4.53% | -0.29% | 3.31% | 5.37% | 6.30% | -2.50% | -221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.19% | 0.15% | 0.35% | 0.21% | 0.19% | 0.12% | 0.27% | -8 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 | 8.33% | 8.09% | 8.09% | 8.46% | 8.43% | 8.08% | 8.15% | 9.31% | +85 bps | |
| Net Worth / Assets | 8.33% | 8.09% | 8.09% | 8.46% | 8.43% | 8.08% | 8.15% | 9.31% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.62% | 22.18% | 21.65% | 22.52% | 22.08% | 20.99% | 20.99% | 22.05% | -47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |