PackageTrendsPeer
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Journey

Des Moines, IA · Charter 64361

NCUA · 2 branches

Q2 2026

$97.6MAssets
$56.7MLoans
$80.4MShares
$16.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.56%, up 12 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.11% of loans (-50 bps YoY).
  • Capital: net worth / assets of 16.86%, up 74 bps from a year ago.
  • Funding: loans stand at 70.57% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.76%+23 bps YoY

Efficiency Ratio (quarter, annualized)

61.42%+59 bps YoY

Net Worth / Assets

16.86%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.51%1.55%1.50%1.56%+12 bps
Return on Equity8.91%9.03%9.14%9.00%9.23%+31 bps
Net Interest Margin3.53%3.64%3.79%3.65%3.76%+23 bps
Efficiency Ratio60.82%60.19%60.39%60.18%61.42%+59 bps
Growth
Asset Growth (YoY)7.32%4.09%5.24%5.74%5.42%-190 bps
Loan Growth (YoY)7.85%5.80%6.57%6.25%6.33%-152 bps
Share Growth (YoY)7.49%2.94%4.25%4.92%4.54%-294 bps
Asset Quality
Delinquent Loans / Loans1.62%1.60%1.89%1.38%1.11%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.12%16.70%16.93%16.71%16.86%+74 bps
Net Worth / Assets16.12%16.70%16.93%16.71%16.86%+74 bps
Liquidity & Funding
Loans / Shares69.39%72.60%73.34%70.37%70.57%+119 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps