Marshalltown, IA · Charter 62918
NCUA · 8 branches
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 | 0.74% | 0.65% | 0.61% | 0.58% | 0.70% | 0.82% | 0.00% | 0.42% | -16 bps | |
| Return on Equity | 7.30% | 6.58% | 6.56% | 6.10% | 7.30% | 8.36% | 0.02% | 4.38% | -172 bps | |
| Net Interest Margin | 3.38% | 3.18% | 3.09% | 3.23% | 3.33% | 3.35% | 3.42% | 3.43% | +20 bps | |
| Efficiency Ratio | 78.70% | 78.37% | 78.96% | 78.41% | 76.87% | 75.09% | 85.32% | 75.72% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.54% | 3.92% | 10.76% | 9.88% | 12.99% | 9.55% | 5.40% | 6.92% | -296 bps | |
| Loan Growth (YoY) | 5.51% | 3.27% | 8.52% | 12.27% | 17.63% | 17.68% | 15.63% | 14.58% | +230 bps | |
| Share Growth (YoY) | 8.31% | 6.35% | 10.62% | 9.44% | 14.25% | 9.00% | 5.05% | 7.05% | -240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.63% | 0.61% | 0.67% | 0.53% | 0.79% | 0.94% | 0.88% | +21 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 | 10.20% | 9.83% | 9.29% | 9.45% | 9.64% | 9.77% | 9.44% | 9.54% | +9 bps | |
| Net Worth / Assets | 10.20% | 9.83% | 9.29% | 9.45% | 9.64% | 9.77% | 9.44% | 9.54% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.99% | 71.83% | 68.94% | 72.20% | 76.18% | 77.54% | 75.89% | 77.28% | +508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |