Ottumwa, IA · Charter 64212
NCUA · 2 branches
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 | 1.09% | 0.92% | 0.83% | 0.73% | 0.82% | 0.75% | 1.01% | 1.02% | +30 bps | |
| Return on Equity | 6.87% | 5.91% | 5.43% | 4.50% | 4.93% | 4.55% | 6.24% | 6.11% | +161 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.30% | 3.48% | 3.60% | 3.56% | 3.44% | 3.55% | +7 bps | |
| Efficiency Ratio | 67.21% | 71.85% | 72.95% | 71.27% | 71.81% | 72.53% | 68.50% | 67.14% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | 2.15% | 3.63% | -0.41% | -0.20% | -1.68% | -0.60% | 1.98% | +239 bps | |
| Loan Growth (YoY) | -12.17% | -12.98% | -8.21% | -1.54% | 4.04% | 4.19% | -1.16% | -3.58% | -204 bps | |
| Share Growth (YoY) | -5.52% | 1.37% | 3.23% | -1.49% | -1.12% | -2.85% | -1.51% | 1.37% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.36% | 0.41% | 0.91% | 0.85% | 0.36% | 0.37% | 0.14% | -77 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 | 15.87% | 15.52% | 15.27% | 16.16% | 16.64% | 16.53% | 16.12% | 16.74% | +58 bps | |
| Net Worth / Assets | 15.87% | 15.52% | 15.27% | 16.16% | 16.64% | 16.53% | 16.12% | 16.74% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.16% | 45.22% | 44.14% | 48.71% | 50.67% | 48.49% | 44.29% | 46.33% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |