PackageTrendsPeer
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White Eagle

Augusta, KS · Charter 63189

NCUA · 3 branches

Q2 2026

$198.5MAssets
$107.5MLoans
$168.3MShares
$27.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.46%, down 70 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 1.72% of loans (+112 bps YoY).
  • Capital: net worth / assets of 14.01%, up 4 bps from a year ago.
  • Funding: loans stand at 63.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.46%-70 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-4 bps YoY

Efficiency Ratio (quarter, annualized)

65.30%+446 bps YoY

Net Worth / Assets

14.01%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%1.84%1.60%1.94%1.46%-70 bps
Return on Equity15.51%13.20%11.32%13.98%10.44%-507 bps
Net Interest Margin3.79%3.75%3.79%3.68%3.75%-4 bps
Efficiency Ratio60.84%61.50%63.60%61.04%65.30%+446 bps
Growth
Asset Growth (YoY)21.56%22.69%14.22%10.30%9.29%-1,227 bps
Loan Growth (YoY)2.83%2.64%4.49%4.34%6.00%+317 bps
Share Growth (YoY)23.00%24.67%14.57%10.26%9.06%-1,394 bps
Asset Quality
Delinquent Loans / Loans0.60%1.08%1.06%1.17%1.72%+112 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.97%13.91%14.15%13.90%14.01%+4 bps
Net Worth / Assets13.97%13.91%14.15%13.90%14.01%+4 bps
Liquidity & Funding
Loans / Shares65.71%64.11%65.23%62.14%63.87%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps