West Des Moines, IA · Charter 64231
NCUA · 2 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 | 1.28% | 1.42% | 1.38% | 1.05% | 1.22% | -6 bps | |
| Return on Equity | 13.48% | 14.11% | 13.16% | 10.16% | 11.31% | -216 bps | |
| Net Interest Margin | 3.38% | 3.51% | 3.89% | 3.79% | 3.88% | +50 bps | |
| Efficiency Ratio | 72.86% | 71.44% | 72.52% | 73.94% | 73.43% | +57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.38% | 2.10% | -1.30% | -0.45% | -0.13% | -351 bps | |
| Loan Growth (YoY) | 2.63% | 3.51% | -0.20% | -3.83% | -4.71% | -734 bps | |
| Share Growth (YoY) | 2.17% | 0.37% | -3.73% | -2.56% | -1.06% | -324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.43% | 0.33% | 0.40% | 0.37% | -69 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 | 9.53% | 10.08% | 10.45% | 10.36% | 10.79% | +126 bps | |
| Net Worth / Assets | 9.53% | 10.08% | 10.45% | 10.36% | 10.79% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.84% | 45.30% | 45.02% | 42.31% | 42.23% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |