Estherville, IA · Charter 63299
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.49% | 1.25% | 1.39% | 1.61% | +18 bps | |
| Return on Equity | 7.57% | 7.73% | 6.60% | 7.38% | 8.47% | +90 bps | |
| Net Interest Margin | 2.65% | 2.74% | 2.55% | 2.73% | 2.77% | +13 bps | |
| Efficiency Ratio | 42.24% | 41.31% | 46.71% | 44.67% | 43.64% | +140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.16% | 12.58% | 12.15% | 8.86% | 7.11% | -704 bps | |
| Loan Growth (YoY) | 1.22% | -1.55% | -1.27% | -1.37% | -3.06% | -428 bps | |
| Share Growth (YoY) | 16.01% | 14.18% | 13.46% | 9.40% | 7.04% | -897 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.44% | 3.62% | 2.88% | 3.60% | 3.25% | -19 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 | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Net Worth / Assets | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.04% | 58.42% | 56.45% | 54.61% | 53.47% | -557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |