Dubuque, IA · Charter 64471
NCUA · 16 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 | 0.35% | 0.33% | 0.38% | 0.53% | 0.68% | 0.71% | 0.87% | 0.96% | +43 bps | |
| Return on Equity | 3.02% | 2.96% | 3.40% | 4.68% | 5.74% | 6.14% | 7.65% | 8.27% | +359 bps | |
| Net Interest Margin | 2.38% | 2.38% | 2.59% | 2.74% | 2.88% | 2.85% | 2.92% | 3.01% | +27 bps | |
| Efficiency Ratio | 84.52% | 84.55% | 82.74% | 78.35% | 75.42% | 73.97% | 70.08% | 68.63% | -972 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.51% | 9.86% | 8.51% | 7.71% | 1.98% | 2.52% | 4.51% | 5.45% | -226 bps | |
| Loan Growth (YoY) | 2.29% | 2.41% | 3.68% | 4.04% | 3.54% | 2.15% | 3.10% | 7.83% | +379 bps | |
| Share Growth (YoY) | 11.29% | 11.76% | 8.74% | 8.60% | 1.26% | 1.45% | 3.65% | 5.02% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.33% | 0.99% | 1.03% | 0.97% | 0.95% | 0.71% | 0.74% | -29 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 | 11.42% | 11.19% | 11.11% | 11.34% | 11.76% | 11.59% | 11.42% | 11.64% | +30 bps | |
| Net Worth / Assets | 11.42% | 11.19% | 11.11% | 11.34% | 11.76% | 11.59% | 11.42% | 11.64% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.81% | 85.18% | 84.51% | 86.77% | 88.76% | 85.77% | 84.07% | 89.09% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |