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Muscatine, IA · Charter 62683

NCUA · 2 branches

Q2 2026

$99.2MAssets
$61.2MLoans
$83.0MShares
$12.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.21%, up 1 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.25% of loans (+1 bps YoY).
  • Capital: net worth / assets of 12.48%, up 48 bps from a year ago.
  • Funding: loans stand at 73.80% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.21%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+22 bps YoY

Efficiency Ratio (quarter, annualized)

74.45%-262 bps YoY

Net Worth / Assets

12.48%+48 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.06%0.89%1.20%1.31%1.18%1.15%1.21%+1 bps
Return on Equity9.24%9.19%7.81%10.03%10.51%9.57%9.42%9.71%-32 bps
Net Interest Margin3.14%3.01%3.17%3.37%3.46%3.43%3.52%3.59%+22 bps
Efficiency Ratio78.15%77.86%80.95%77.07%75.72%76.59%76.64%74.45%-262 bps
Growth
Asset Growth (YoY)7.89%12.29%10.95%7.27%6.66%2.91%3.36%6.14%-113 bps
Loan Growth (YoY)3.53%4.55%3.04%2.63%4.19%3.76%3.77%1.98%-65 bps
Share Growth (YoY)9.93%15.31%13.22%8.82%7.24%2.61%2.74%5.97%-285 bps
Asset Quality
Delinquent Loans / Loans0.09%0.10%0.07%0.24%0.08%0.10%0.29%0.25%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.94%11.51%11.39%12.00%12.45%12.37%12.24%12.48%+48 bps
Net Worth / Assets11.94%11.51%11.39%12.00%12.45%12.37%12.24%12.48%+48 bps
Liquidity & Funding
Loans / Shares80.96%77.44%74.37%76.68%78.66%78.30%75.11%73.80%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps