Fort Madison, IA · Charter 62429
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 | 1.12% | 0.46% | 1.39% | 1.25% | 1.33% | 0.62% | 1.45% | 1.44% | +19 bps | |
| Return on Equity | 8.87% | 3.90% | 11.69% | 10.37% | 10.54% | 5.25% | 12.35% | 12.15% | +178 bps | |
| Net Interest Margin | 2.57% | 1.88% | 2.94% | 2.81% | 2.97% | 2.20% | 2.83% | 2.90% | +9 bps | |
| Efficiency Ratio | 56.76% | 75.50% | 53.18% | 55.86% | 55.43% | 71.97% | 49.20% | 50.97% | -489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 9.76% | 10.38% | 9.43% | 4.25% | 2.29% | 2.59% | 3.47% | -596 bps | |
| Loan Growth (YoY) | 5.64% | 3.47% | -2.09% | 2.44% | 4.66% | 8.99% | 8.82% | 4.38% | +194 bps | |
| Share Growth (YoY) | 4.18% | 10.59% | 11.19% | 10.09% | 4.17% | 2.32% | 2.76% | 3.72% | -636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.10% | 0.00% | 0.00% | 1.07% | 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 | 0.59% | 0.61% | 0.55% | 0.51% | 0.30% | 0.23% | 0.33% | 0.43% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 11.91% | 11.87% | 12.02% | 12.65% | 11.87% | 11.75% | 11.83% | -20 bps | |
| Net Worth / Assets | 12.58% | 11.91% | 11.87% | 12.02% | 12.65% | 11.87% | 11.75% | 11.83% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.98% | 72.66% | 68.15% | 72.53% | 77.35% | 77.39% | 72.16% | 73.00% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |