Beloit, KS · Charter 63374
NCUA · 5 branches
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 | 0.45% | 0.52% | 0.71% | 0.77% | 0.59% | 0.66% | 0.70% | 0.59% | -17 bps | |
| Return on Equity | 2.03% | 2.32% | 3.19% | 3.34% | 2.57% | 2.93% | 3.21% | 2.70% | -64 bps | |
| Net Interest Margin | 3.81% | 3.84% | 4.20% | 4.36% | 4.33% | 4.34% | 4.38% | 4.39% | +3 bps | |
| Efficiency Ratio | 86.84% | 86.61% | 84.46% | 82.41% | 83.80% | 83.14% | 85.56% | 89.23% | +681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 2.06% | 5.57% | 0.94% | 0.07% | 1.88% | 5.60% | 7.43% | +648 bps | |
| Loan Growth (YoY) | 8.25% | 3.22% | 1.57% | -2.38% | -0.60% | -0.06% | 4.84% | 6.78% | +915 bps | |
| Share Growth (YoY) | 2.42% | 1.84% | 6.00% | 5.23% | -0.92% | 1.85% | 6.55% | 8.63% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.20% | 2.17% | 1.80% | 1.42% | 1.01% | 0.86% | 0.95% | -85 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 | 22.30% | 22.37% | 22.28% | 22.96% | 22.91% | 22.61% | 21.74% | 21.95% | -102 bps | |
| Net Worth / Assets | 22.30% | 22.37% | 22.28% | 22.96% | 22.91% | 22.61% | 21.74% | 21.95% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.11% | 82.11% | 81.25% | 84.86% | 84.38% | 80.57% | 79.94% | 83.41% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |