Cherokee, IA · Charter 62638
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.07% | 0.03% | -0.25% | -0.02% | -16 bps | |
| Return on Equity | 1.50% | 0.71% | 0.34% | -2.65% | -0.19% | -169 bps | |
| Net Interest Margin | 3.65% | 3.78% | 3.80% | 3.88% | 4.21% | +57 bps | |
| Efficiency Ratio | 75.27% | 74.57% | 72.26% | 77.19% | 73.90% | -137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.64% | 0.59% | -1.59% | -3.76% | -7.61% | -1,324 bps | |
| Loan Growth (YoY) | -0.72% | -3.51% | -4.25% | -3.79% | -3.14% | -241 bps | |
| Share Growth (YoY) | 6.32% | 0.46% | -1.68% | -3.95% | -8.16% | -1,448 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 1.46% | 1.11% | 0.77% | 0.54% | -62 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.12% | 9.28% | 9.24% | 9.32% | 9.83% | +70 bps | |
| Net Worth / Assets | 9.12% | 9.28% | 9.24% | 9.32% | 9.83% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.05% | 81.15% | 79.72% | 80.72% | 84.43% | +438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |