Newton, IA · Charter 64030
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 | -0.76% | -1.88% | 1.63% | 1.69% | 1.81% | 1.93% | 1.10% | 1.06% | -63 bps | |
| Return on Equity | -5.78% | -14.18% | 12.17% | 12.13% | 12.34% | 12.74% | 7.28% | 6.92% | -522 bps | |
| Net Interest Margin | 5.11% | 5.66% | 5.30% | 5.35% | 5.39% | 5.32% | 4.89% | 4.92% | -43 bps | |
| Efficiency Ratio | 62.05% | 57.66% | 63.02% | 57.79% | 57.77% | 56.46% | 67.63% | 66.57% | +878 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.78% | -20.34% | -10.90% | -8.25% | -9.34% | 0.87% | 1.13% | 2.03% | +1,028 bps | |
| Loan Growth (YoY) | 1.69% | -5.74% | -10.19% | -15.22% | -17.22% | -16.18% | -16.27% | -15.54% | -33 bps | |
| Share Growth (YoY) | -14.60% | -21.19% | -11.12% | -8.10% | -10.99% | -1.10% | -0.32% | -0.04% | +806 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.06% | 2.65% | 3.17% | 3.62% | 2.69% | 3.63% | 3.15% | 2.39% | -123 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 | 13.14% | 13.29% | 13.40% | 13.96% | 14.63% | 15.15% | 15.05% | 15.31% | +135 bps | |
| Net Worth / Assets | 13.14% | 13.29% | 13.40% | 13.96% | 14.63% | 15.15% | 15.05% | 15.31% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.32% | 84.91% | 80.26% | 77.76% | 75.64% | 71.96% | 67.42% | 65.70% | -1,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |