Waterloo, IA · Charter 64418
NCUA · 32 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 | 1.26% | 1.27% | 1.45% | 1.49% | 1.39% | 1.36% | 1.56% | 1.60% | +11 bps | |
| Return on Equity | 11.20% | 11.50% | 13.02% | 13.14% | 11.98% | 11.92% | 13.59% | 13.84% | +70 bps | |
| Net Interest Margin | 2.57% | 2.55% | 2.73% | 2.81% | 2.87% | 2.86% | 2.98% | 2.98% | +18 bps | |
| Efficiency Ratio | 58.41% | 59.28% | 61.20% | 56.90% | 55.76% | 56.96% | 56.56% | 54.03% | -286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.41% | 6.86% | 8.14% | 10.31% | 8.48% | 8.13% | 8.81% | 10.35% | +4 bps | |
| Loan Growth (YoY) | 6.00% | 8.66% | 11.52% | 12.24% | 11.10% | 10.86% | 9.20% | 9.56% | -268 bps | |
| Share Growth (YoY) | 8.21% | 6.51% | 6.34% | 8.44% | 7.84% | 8.19% | 10.73% | 13.33% | +489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.86% | 0.68% | 0.76% | 0.89% | 0.86% | 0.61% | 0.67% | -10 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 | 11.22% | 11.07% | 11.14% | 11.37% | 11.56% | 11.45% | 11.47% | 11.57% | +20 bps | |
| Net Worth / Assets | 11.22% | 11.07% | 11.14% | 11.37% | 11.56% | 11.45% | 11.47% | 11.57% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.21% | 104.19% | 103.87% | 106.28% | 107.36% | 106.75% | 102.44% | 102.74% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |