Sioux City, IA · Charter 64417
NCUA · 3 branches
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 | 0.63% | 0.66% | 0.11% | 0.36% | 0.22% | 0.16% | 0.04% | -0.02% | -38 bps | |
| Return on Equity | 5.45% | 5.74% | 1.02% | 3.21% | 1.95% | 1.44% | 0.37% | -0.15% | -337 bps | |
| Net Interest Margin | 3.99% | 4.03% | 3.99% | 4.31% | 4.20% | 4.18% | 3.89% | 4.05% | -26 bps | |
| Efficiency Ratio | 81.86% | 80.98% | 91.47% | 86.60% | 89.22% | 90.34% | 89.51% | 88.45% | +185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 5.46% | 4.72% | 5.25% | 5.82% | 6.81% | 4.94% | 7.59% | +233 bps | |
| Loan Growth (YoY) | 4.75% | 0.21% | -2.14% | 2.93% | 8.42% | 9.97% | 21.89% | 22.43% | +1,950 bps | |
| Share Growth (YoY) | 8.08% | 5.34% | 4.63% | 5.31% | 7.71% | 7.47% | 5.05% | 8.62% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 2.20% | 1.22% | 3.84% | 4.85% | 3.27% | 2.51% | 2.65% | -119 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 | 11.61% | 11.56% | 10.98% | 11.32% | 11.24% | 10.92% | 10.55% | 10.44% | -88 bps | |
| Net Worth / Assets | 11.61% | 11.56% | 10.98% | 11.32% | 11.24% | 10.92% | 10.55% | 10.44% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.58% | 66.73% | 62.21% | 65.30% | 69.03% | 68.28% | 72.18% | 73.60% | +830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |