Marshalltown, IA · Charter 64234
NCUA · 1 branch
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% | 0.67% | 0.10% | 0.16% | 0.20% | 0.08% | -0.22% | -0.04% | -19 bps | |
| Return on Equity | 8.69% | 7.13% | 1.14% | 1.70% | 2.20% | 0.87% | -2.60% | -0.42% | -212 bps | |
| Net Interest Margin | 2.76% | 2.73% | 2.63% | 2.64% | 2.70% | 2.66% | 2.75% | 2.80% | +16 bps | |
| Efficiency Ratio | 71.43% | 78.20% | 95.93% | 91.23% | 89.87% | 92.77% | 91.29% | 90.69% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 9.11% | 10.14% | 11.60% | 3.56% | 6.29% | 6.59% | 6.85% | -475 bps | |
| Loan Growth (YoY) | 0.10% | -3.26% | 1.21% | 4.78% | 3.08% | 5.31% | 5.39% | 7.37% | +259 bps | |
| Share Growth (YoY) | 11.17% | 12.18% | 12.05% | 11.61% | 4.07% | 6.32% | 6.86% | 6.56% | -505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.12% | 1.00% | 2.24% | 1.96% | 1.83% | 0.89% | 0.89% | -135 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 | 9.34% | 9.33% | 9.16% | 9.15% | 9.20% | 8.86% | 8.59% | 8.55% | -60 bps | |
| Net Worth / Assets | 9.34% | 9.33% | 9.16% | 9.15% | 9.20% | 8.86% | 8.59% | 8.55% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.39% | 63.33% | 62.32% | 63.76% | 63.78% | 62.73% | 61.46% | 64.25% | +49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |