PackageTrendsPeer
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Advantage

Newton, IA · Charter 64030

NCUA · 1 branch

Q2 2026

$106.5MAssets
$58.9MLoans
$89.6MShares
$16.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, down 63 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 2.39% of loans (-123 bps YoY).
  • Capital: net worth / assets of 15.31%, up 135 bps from a year ago.
  • Funding: loans stand at 65.70% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.06%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.92%-43 bps YoY

Efficiency Ratio (quarter, annualized)

66.57%+878 bps YoY

Net Worth / Assets

15.31%+135 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.81%1.93%1.10%1.06%-63 bps
Return on Equity12.13%12.34%12.74%7.28%6.92%-522 bps
Net Interest Margin5.35%5.39%5.32%4.89%4.92%-43 bps
Efficiency Ratio57.79%57.77%56.46%67.63%66.57%+878 bps
Growth
Asset Growth (YoY)-8.25%-9.34%0.87%1.13%2.03%+1,028 bps
Loan Growth (YoY)-15.22%-17.22%-16.18%-16.27%-15.54%-33 bps
Share Growth (YoY)-8.10%-10.99%-1.10%-0.32%-0.04%+806 bps
Asset Quality
Delinquent Loans / Loans3.62%2.69%3.63%3.15%2.39%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.96%14.63%15.15%15.05%15.31%+135 bps
Net Worth / Assets13.96%14.63%15.15%15.05%15.31%+135 bps
Liquidity & Funding
Loans / Shares77.76%75.64%71.96%67.42%65.70%-1,206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps