Estherville, IA · Charter 63299
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 | 1.71% | 1.32% | 1.63% | 1.43% | 1.49% | 1.25% | 1.39% | 1.61% | +18 bps | |
| Return on Equity | 8.38% | 6.68% | 8.48% | 7.57% | 7.73% | 6.60% | 7.38% | 8.47% | +90 bps | |
| Net Interest Margin | 2.78% | 2.55% | 2.72% | 2.65% | 2.74% | 2.55% | 2.73% | 2.77% | +13 bps | |
| Efficiency Ratio | 41.22% | 46.38% | 40.39% | 42.24% | 41.31% | 46.71% | 44.67% | 43.64% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | 9.73% | 11.28% | 14.16% | 12.58% | 12.15% | 8.86% | 7.11% | -704 bps | |
| Loan Growth (YoY) | 5.35% | 2.39% | 0.91% | 1.22% | -1.55% | -1.27% | -1.37% | -3.06% | -428 bps | |
| Share Growth (YoY) | 9.02% | 10.41% | 12.29% | 16.01% | 14.18% | 13.46% | 9.40% | 7.04% | -897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.48% | 3.80% | 2.99% | 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 | 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 | 20.37% | 19.82% | 19.17% | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Net Worth / Assets | 20.37% | 19.82% | 19.17% | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.76% | 64.87% | 60.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |