PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Western Employees

Council Bluffs, IA · Charter 64282

NCUA · 1 branch

Q2 2026

$10.4MAssets
$4.9MLoans
$8.1MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, down 24 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (-47 bps YoY).
  • Capital: net worth / assets of 21.35%, up 83 bps from a year ago.
  • Funding: loans stand at 60.61% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.19%-24 bps YoY

Net Interest Margin (quarter, annualized)

3.77%-14 bps YoY

Efficiency Ratio (quarter, annualized)

73.56%+453 bps YoY

Net Worth / Assets

21.35%+83 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.10%1.01%1.44%1.41%1.26%0.97%1.19%-24 bps
Return on Equity5.62%5.61%5.00%7.01%6.75%5.89%4.62%5.60%-142 bps
Net Interest Margin3.82%3.89%3.53%3.91%3.97%3.98%3.76%3.77%-14 bps
Efficiency Ratio76.34%76.63%76.03%69.03%70.21%73.42%78.08%73.56%+453 bps
Growth
Asset Growth (YoY)2.78%5.33%1.14%0.38%-0.02%-2.72%1.71%1.36%+97 bps
Loan Growth (YoY)-6.89%-3.10%-2.88%-2.46%-2.62%-2.41%1.65%4.37%+683 bps
Share Growth (YoY)2.60%5.14%0.14%-1.21%-1.59%-4.86%0.62%0.27%+149 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.47%0.00%0.00%0.00%0.00%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.50%19.57%20.22%20.51%20.85%21.38%21.10%21.35%+83 bps
Net Worth / Assets19.50%19.57%20.22%20.51%20.85%21.38%21.10%21.35%+83 bps
Liquidity & Funding
Loans / Shares58.58%58.91%59.99%58.23%57.96%60.43%60.60%60.61%+238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps