Keokuk, IA · Charter 64269
NCUA · 1 branch
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 | 2.49% | 2.52% | 1.62% | 2.08% | 2.50% | 2.74% | 2.29% | 2.37% | +29 bps | |
| Return on Equity | 8.05% | 7.37% | 5.02% | 6.62% | 7.92% | 7.76% | 6.25% | 6.72% | +9 bps | |
| Net Interest Margin | 5.77% | 6.14% | 5.30% | 5.31% | 5.66% | 6.21% | 5.71% | 5.88% | +57 bps | |
| Efficiency Ratio | 52.90% | 52.46% | 69.91% | 61.50% | 54.66% | 55.37% | 61.03% | 55.37% | -613 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | -7.12% | 2.72% | 3.28% | 5.30% | 5.19% | -4.33% | -3.51% | -678 bps | |
| Loan Growth (YoY) | -10.76% | -5.01% | 2.38% | -1.41% | 0.75% | 0.12% | -6.94% | 0.02% | +143 bps | |
| Share Growth (YoY) | -2.65% | -13.45% | 0.67% | 1.58% | 4.22% | 3.56% | -10.43% | -9.01% | -1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.14% | 0.12% | 1.90% | 3.21% | 2.62% | 3.99% | 2.61% | +71 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 | 1.80% | 1.84% | 1.87% | 2.24% | 2.21% | 2.21% | 2.32% | 2.24% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.90% | 34.25% | 32.19% | 31.45% | 31.64% | 35.30% | 36.60% | 35.35% | +390 bps | |
| Net Worth / Assets | 30.90% | 34.25% | 32.19% | 31.45% | 31.64% | 35.30% | 36.60% | 35.35% | +390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.01% | 103.08% | 95.08% | 86.77% | 86.05% | 99.65% | 98.78% | 95.39% | +861 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |