Webster City, IA · Charter 64140
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.15% | 0.17% | -0.13% | 0.22% | -12 bps | |
| Return on Equity | 3.23% | 1.40% | 1.59% | -1.24% | 2.06% | -117 bps | |
| Net Interest Margin | 3.93% | 3.95% | 4.04% | 3.91% | 3.95% | +2 bps | |
| Efficiency Ratio | 73.38% | 75.62% | 76.02% | 91.81% | 79.11% | +573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | -0.34% | 1.40% | 2.20% | -0.21% | -68 bps | |
| Loan Growth (YoY) | -7.58% | -8.05% | -2.59% | 0.75% | 2.16% | +974 bps | |
| Share Growth (YoY) | 1.53% | 0.69% | 2.44% | 3.33% | -0.46% | -199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.26% | 2.82% | 3.49% | 1.89% | 2.16% | -109 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Net Worth / Assets | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.03% | 75.32% | 77.58% | 74.17% | 75.98% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |