Cedar Rapids, IA · Charter 63602
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.75% | 0.21% | 0.43% | -0.38% | -0.07% | 0.55% | 0.67% | +24 bps | |
| Return on Equity | 7.07% | 7.12% | 1.98% | 4.18% | -3.94% | -0.68% | 5.69% | 7.00% | +282 bps | |
| Net Interest Margin | 3.04% | 3.19% | 3.45% | 3.37% | 3.48% | 3.57% | 3.68% | 3.72% | +35 bps | |
| Efficiency Ratio | 72.05% | 71.84% | 76.04% | 74.77% | 95.60% | 88.47% | 75.89% | 74.23% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.95% | 2.91% | 2.05% | 6.94% | 4.59% | 5.76% | 9.59% | 7.67% | +73 bps | |
| Loan Growth (YoY) | 4.54% | 2.66% | 2.72% | 6.43% | 5.72% | 5.71% | 8.94% | 7.45% | +102 bps | |
| Share Growth (YoY) | 4.70% | 5.40% | 6.34% | 8.17% | 7.23% | 7.73% | 8.28% | 6.20% | -197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.79% | 0.63% | 0.76% | 0.76% | 0.89% | 0.70% | 0.66% | -10 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 | 10.30% | 10.53% | 10.63% | 10.24% | 9.70% | 9.84% | 9.68% | 9.54% | -70 bps | |
| Net Worth / Assets | 10.30% | 10.53% | 10.63% | 10.24% | 9.70% | 9.84% | 9.68% | 9.54% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.22% | 110.10% | 105.80% | 109.91% | 110.63% | 108.05% | 106.44% | 111.20% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |