Dubuque, IA · Charter 64049
NCUA · 24 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 | 0.98% | 0.86% | 0.53% | 0.95% | 1.04% | 1.08% | 0.72% | 1.12% | +17 bps | |
| Return on Equity | 8.14% | 7.20% | 4.50% | 8.01% | 8.49% | 8.69% | 5.68% | 8.40% | +39 bps | |
| Net Interest Margin | 2.60% | 2.64% | 2.49% | 2.61% | 2.71% | 2.94% | 2.91% | 3.08% | +47 bps | |
| Efficiency Ratio | 73.21% | 74.10% | 78.50% | 70.54% | 69.83% | 68.80% | 76.36% | 68.32% | -222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 5.25% | 8.25% | 9.80% | 6.58% | 4.53% | 2.91% | -1.39% | -1,119 bps | |
| Loan Growth (YoY) | 0.50% | -0.92% | -0.91% | -0.21% | 3.63% | 5.51% | 4.97% | 6.02% | +624 bps | |
| Share Growth (YoY) | 2.97% | 4.92% | 8.73% | 12.07% | 8.64% | 6.52% | 5.61% | 3.07% | -899 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.70% | 0.74% | 0.67% | 0.75% | 0.75% | 1.44% | 0.77% | +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 | 12.06% | 11.91% | 11.75% | 11.87% | 12.20% | 12.45% | 12.65% | 13.33% | +146 bps | |
| Net Worth / Assets | 12.06% | 11.91% | 11.75% | 11.87% | 12.20% | 12.45% | 12.65% | 13.33% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.61% | 86.26% | 84.05% | 83.59% | 85.47% | 85.44% | 83.54% | 85.98% | +239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |