Mason City, IA · Charter 64191
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 | 1.20% | 1.15% | 1.05% | 1.22% | 1.33% | 1.27% | 1.10% | 0.97% | -25 bps | |
| Return on Equity | 14.08% | 13.16% | 12.20% | 13.40% | 13.94% | 13.28% | 11.54% | 9.93% | -348 bps | |
| Net Interest Margin | 4.23% | 4.30% | 4.34% | 4.55% | 4.72% | 4.60% | 5.71% | 5.26% | +71 bps | |
| Efficiency Ratio | 73.55% | 73.36% | 72.07% | 70.70% | 69.75% | 71.15% | 77.72% | 75.88% | +518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 0.54% | 5.70% | 3.44% | 1.77% | 5.18% | 3.51% | 4.83% | +138 bps | |
| Loan Growth (YoY) | 0.44% | -0.73% | 2.12% | 4.69% | 5.36% | 5.19% | 1.31% | 1.32% | -337 bps | |
| Share Growth (YoY) | 0.56% | -0.83% | 4.49% | 3.19% | 1.48% | 4.55% | 3.25% | 3.44% | +25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.72% | 0.53% | 0.90% | 0.85% | 0.93% | 1.37% | 1.00% | +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 | 8.50% | 8.74% | 8.58% | 9.08% | 9.55% | 9.53% | 9.49% | 9.75% | +67 bps | |
| Net Worth / Assets | 8.50% | 8.74% | 8.58% | 9.08% | 9.55% | 9.53% | 9.49% | 9.75% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.17% | 97.91% | 95.70% | 101.18% | 102.97% | 98.52% | 93.91% | 99.11% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |