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Letter portraitLegal landscapeQuarterYTD

Telco Triad Community

Sioux City, IA · Charter 63218

NCUA · 6 branches

Q2 2026

$160.5MAssets
$120.2MLoans
$140.5MShares
$19.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, down 9 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.45% of loans (+24 bps YoY).
  • Capital: net worth / assets of 12.21%, up 97 bps from a year ago.
  • Funding: loans stand at 85.55% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.77%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+5 bps YoY

Efficiency Ratio (YTD, annualized)

80.64%+305 bps YoY

Net Worth / Assets

12.21%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.37%0.73%0.86%1.12%1.23%0.34%0.77%-9 bps
Return on Equity9.18%12.06%6.57%7.69%9.65%10.25%2.86%6.32%-137 bps
Net Interest Margin3.82%3.86%3.99%4.09%4.17%4.19%4.00%4.14%+5 bps
Efficiency Ratio73.38%68.83%80.33%77.59%73.46%72.24%88.56%80.64%+305 bps
Growth
Asset Growth (YoY)4.25%3.87%5.84%7.92%6.66%5.27%5.09%1.82%-610 bps
Loan Growth (YoY)-5.24%-4.63%-2.53%1.24%4.43%4.02%4.34%1.70%+46 bps
Share Growth (YoY)3.44%2.47%4.57%6.50%4.86%3.78%4.02%0.98%-552 bps
Asset Quality
Delinquent Loans / Loans0.26%0.33%0.31%0.21%0.28%0.20%0.32%0.45%+24 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 Capital10.87%11.33%11.16%11.24%11.63%11.99%11.72%12.21%+97 bps
Net Worth / Assets10.87%11.33%11.16%11.24%11.63%11.99%11.72%12.21%+97 bps
Liquidity & Funding
Loans / Shares87.68%86.46%83.16%84.94%87.31%86.66%83.43%85.55%+60 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps