Cedar Rapids, IA · Charter 62969
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.10% | 0.00% | 0.09% | -0.17% | -51 bps | |
| Return on Equity | 4.28% | 1.25% | 0.05% | 1.16% | -2.23% | -651 bps | |
| Net Interest Margin | 2.16% | 2.25% | 2.36% | 2.29% | 2.31% | +15 bps | |
| Efficiency Ratio | 82.48% | 82.56% | 82.45% | 90.40% | 91.11% | +863 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.63% | -6.62% | -5.92% | -4.50% | -3.19% | +243 bps | |
| Loan Growth (YoY) | -4.80% | -7.30% | -7.13% | -3.35% | -3.44% | +136 bps | |
| Share Growth (YoY) | 1.25% | -1.73% | -2.69% | -0.12% | -1.48% | -273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 2.55% | 2.67% | 2.51% | 2.47% | +21 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 | 7.80% | 7.85% | 7.90% | 7.81% | 7.78% | -2 bps | |
| Net Worth / Assets | 7.80% | 7.85% | 7.90% | 7.81% | 7.78% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.28% | 85.37% | 83.04% | 81.27% | 85.54% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.70% | 0.00% | 0 bps | |