Mason City, IA · Charter 64323
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 | 1.36% | 1.26% | 0.89% | 0.94% | 1.08% | 1.16% | 0.45% | 0.80% | -14 bps | |
| Return on Equity | 6.78% | 6.37% | 4.71% | 4.83% | 5.45% | 5.73% | 2.20% | 3.84% | -98 bps | |
| Net Interest Margin | 2.91% | 2.82% | 2.63% | 2.63% | 2.69% | 2.84% | 2.51% | 2.63% | -1 bps | |
| Efficiency Ratio | 54.42% | 56.31% | 66.22% | 64.26% | 59.98% | 58.99% | 82.18% | 69.39% | +513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | 3.85% | 7.23% | 5.60% | 7.53% | 2.95% | -2.21% | -1.53% | -713 bps | |
| Loan Growth (YoY) | -8.86% | -20.61% | -23.96% | -23.83% | -22.22% | -15.61% | -8.74% | -6.32% | +1,751 bps | |
| Share Growth (YoY) | -3.18% | 3.16% | 7.53% | 5.60% | 8.01% | 2.19% | -3.97% | -3.24% | -884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.72% | 0.12% | +12 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 | 1.91% | 2.09% | 2.23% | 2.32% | 2.46% | 2.48% | 2.44% | 2.48% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.10% | 19.74% | 18.94% | 19.54% | 19.75% | 20.34% | 20.41% | 20.94% | +140 bps | |
| Net Worth / Assets | 20.10% | 19.74% | 18.94% | 19.54% | 19.75% | 20.34% | 20.41% | 20.94% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.24% | 32.83% | 28.92% | 28.50% | 26.82% | 27.11% | 27.48% | 27.59% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |