Charles City, IA · Charter 64067
NCUA · 1 branch
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 | 1.95% | 1.76% | 1.17% | 1.08% | 1.27% | 1.18% | 0.97% | 0.88% | -20 bps | |
| Return on Equity | 16.48% | 14.84% | 10.12% | 9.22% | 10.69% | 9.89% | 8.14% | 7.24% | -197 bps | |
| Net Interest Margin | 4.11% | 4.09% | 3.78% | 3.74% | 3.69% | 3.59% | 3.33% | 3.38% | -37 bps | |
| Efficiency Ratio | 59.60% | 62.56% | 66.16% | 68.22% | 68.03% | 69.61% | 73.71% | 76.48% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 6.83% | 12.15% | 9.89% | 11.38% | 10.07% | 7.20% | 4.78% | -511 bps | |
| Loan Growth (YoY) | 8.05% | 6.17% | 4.00% | 5.89% | 1.10% | 2.89% | 0.96% | 2.98% | -291 bps | |
| Share Growth (YoY) | 2.33% | 5.39% | 12.09% | 9.48% | 11.02% | 9.93% | 6.25% | 4.35% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.03% | 0.72% | 0.21% | 0.08% | 0.12% | 0.08% | -64 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 | 11.80% | 11.87% | 11.57% | 11.66% | 11.88% | 11.97% | 11.85% | 12.10% | +44 bps | |
| Net Worth / Assets | 11.80% | 11.87% | 11.57% | 11.66% | 11.88% | 11.97% | 11.85% | 12.10% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.74% | 40.79% | 39.86% | 39.25% | 38.02% | 38.18% | 37.88% | 38.73% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |