Webster City, IA · Charter 64140
NCUA · 3 branches
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 | -0.81% | -0.57% | 0.71% | 0.34% | 0.15% | 0.17% | -0.13% | 0.22% | -12 bps | |
| Return on Equity | -7.74% | -5.36% | 6.70% | 3.23% | 1.40% | 1.59% | -1.24% | 2.06% | -117 bps | |
| Net Interest Margin | 3.53% | 3.72% | 3.74% | 3.93% | 3.95% | 4.04% | 3.91% | 3.95% | +2 bps | |
| Efficiency Ratio | 85.43% | 85.68% | 69.25% | 73.38% | 75.62% | 76.02% | 91.81% | 79.11% | +573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 1.84% | 2.95% | 0.47% | -0.34% | 1.40% | 2.20% | -0.21% | -68 bps | |
| Loan Growth (YoY) | 1.51% | -0.05% | -5.27% | -7.58% | -8.05% | -2.59% | 0.75% | 2.16% | +974 bps | |
| Share Growth (YoY) | 3.82% | 1.55% | 3.17% | 1.53% | 0.69% | 2.44% | 3.33% | -0.46% | -199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.34% | 1.97% | 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 | 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 | 10.45% | 10.67% | 10.56% | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Net Worth / Assets | 10.45% | 10.67% | 10.56% | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.48% | 81.59% | 76.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |