Fort Dodge, IA · Charter 63159
NCUA · 1 branch
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 | 0.48% | 0.49% | 0.87% | 0.88% | 0.64% | 0.22% | 0.43% | 0.58% | -29 bps | |
| Return on Equity | 3.90% | 3.85% | 6.94% | 7.03% | 4.94% | 1.76% | 3.42% | 4.53% | -250 bps | |
| Net Interest Margin | 4.36% | 4.35% | 3.96% | 3.91% | 4.13% | 4.10% | 3.90% | 3.97% | +6 bps | |
| Efficiency Ratio | 71.36% | 73.39% | 81.95% | 80.60% | 86.64% | 95.04% | 87.18% | 85.88% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 5.70% | 3.97% | 2.81% | 0.45% | 2.01% | 1.59% | -2.57% | -538 bps | |
| Loan Growth (YoY) | -5.79% | -5.54% | -3.67% | -0.18% | 2.08% | 1.71% | 4.92% | 4.37% | +455 bps | |
| Share Growth (YoY) | 7.36% | 6.52% | 4.48% | 3.06% | -0.32% | 1.99% | 1.61% | -3.22% | -628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 2.26% | 1.82% | 1.81% | 2.15% | 2.13% | 2.13% | 1.86% | +4 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 | 12.37% | 12.67% | 12.55% | 12.50% | 12.91% | 12.64% | 12.47% | 12.89% | +39 bps | |
| Net Worth / Assets | 12.37% | 12.67% | 12.55% | 12.50% | 12.91% | 12.64% | 12.47% | 12.89% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.77% | 69.26% | 66.33% | 66.52% | 70.42% | 69.07% | 68.50% | 71.74% | +522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |