PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Community

Charles City, IA · Charter 64067

NCUA · 1 branch

Q2 2026

$26.3MAssets
$8.9MLoans
$23.0MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, down 20 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.08% of loans (-64 bps YoY).
  • Capital: net worth / assets of 12.10%, up 44 bps from a year ago.
  • Funding: loans stand at 38.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-37 bps YoY

Efficiency Ratio (YTD, annualized)

76.48%+826 bps YoY

Net Worth / Assets

12.10%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.76%1.17%1.08%1.27%1.18%0.97%0.88%-20 bps
Return on Equity16.48%14.84%10.12%9.22%10.69%9.89%8.14%7.24%-197 bps
Net Interest Margin4.11%4.09%3.78%3.74%3.69%3.59%3.33%3.38%-37 bps
Efficiency Ratio59.60%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 / Loans0.00%0.01%0.03%0.72%0.21%0.08%0.12%0.08%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.80%11.87%11.57%11.66%11.88%11.97%11.85%12.10%+44 bps
Net Worth / Assets11.80%11.87%11.57%11.66%11.88%11.97%11.85%12.10%+44 bps
Liquidity & Funding
Loans / Shares41.74%40.79%39.86%39.25%38.02%38.18%37.88%38.73%-52 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps