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Des Moines, IA · Charter 62878

NCUA · 1 branch

Q2 2026

$46.1MAssets
$24.1MLoans
$37.4MShares
$8.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.27%, down 97 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.41% of loans (-30 bps YoY).
  • Capital: net worth / assets of 18.73%, up 34 bps from a year ago.
  • Funding: loans stand at 64.56% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.27%-97 bps YoY

Net Interest Margin (quarter, annualized)

3.74%-17 bps YoY

Efficiency Ratio (quarter, annualized)

88.53%+1,799 bps YoY

Net Worth / Assets

18.73%+34 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.58%1.20%1.24%1.25%1.03%0.73%0.27%-97 bps
Return on Equity10.17%8.73%6.54%6.74%6.65%5.54%3.96%1.46%-529 bps
Net Interest Margin4.13%4.06%3.89%3.91%3.99%3.97%3.74%3.74%-17 bps
Efficiency Ratio62.69%66.72%71.29%70.54%71.76%75.43%82.74%88.53%+1,799 bps
Growth
Asset Growth (YoY)-0.96%2.07%0.87%2.03%4.13%3.45%4.73%1.49%-54 bps
Loan Growth (YoY)6.70%4.23%4.69%6.58%0.19%0.13%-0.19%-6.99%-1,358 bps
Share Growth (YoY)-3.36%0.67%-0.72%1.13%3.44%2.73%4.59%1.00%-14 bps
Asset Quality
Delinquent Loans / Loans0.43%0.11%0.50%0.71%0.43%0.12%0.07%0.41%-30 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 Capital18.09%18.08%18.38%18.39%18.73%18.64%18.54%18.73%+34 bps
Net Worth / Assets18.09%18.08%18.38%18.39%18.73%18.64%18.54%18.73%+34 bps
Liquidity & Funding
Loans / Shares71.69%69.98%69.89%70.11%69.44%68.20%66.70%64.56%-554 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps