McCook, NE · Charter 6466
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
12
Profitability
39
Liquidity
73
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
McCook, NE · Charter 6466
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 | -0.43% | -0.24% | 0.26% | 0.28% | -0.19% | 0.03% | 0.58% | -0.05% | -32 bps | |
| Return on Equity | -3.92% | -2.23% | 2.44% | 2.55% | -1.70% | 0.29% | 5.51% | -0.43% | -298 bps | |
| Net Interest Margin | 4.99% | 4.90% | 4.80% | 4.94% | 5.13% | 4.86% | 5.20% | 5.28% | +34 bps | |
| Efficiency Ratio | 82.79% | 83.66% | 91.25% | 87.58% | 89.42% | 89.43% | 78.22% | 72.29% | -1,528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.57% | -0.97% | -2.02% | 1.05% | -0.83% | 3.17% | 2.86% | 3.02% | +198 bps | |
| Loan Growth (YoY) | -4.45% | -4.30% | -1.14% | -2.59% | -5.67% | -3.89% | -5.22% | -2.47% | +12 bps | |
| Share Growth (YoY) | 8.69% | -0.96% | -2.28% | -2.03% | -1.62% | 2.44% | 2.15% | 5.71% | +774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.77% | 1.19% | 1.43% | 1.66% | 1.56% | 1.22% | 2.24% | +81 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 | 11.06% | 10.86% | 10.75% | 10.89% | 11.09% | 10.55% | 10.56% | 10.48% | -42 bps | |
| Net Worth / Assets | 11.06% | 10.86% | 10.75% | 10.89% | 11.09% | 10.55% | 10.56% | 10.48% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.80% | 81.09% | 80.31% | 81.93% | 81.31% | 76.08% | 74.51% | 75.59% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McCook, NE · Charter 6466 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.05%
Rank 1,501 of 1,683
Net Interest Margin
5.28%
Rank 98 of 1,683
Efficiency Ratio
72.31%
Rank 550 of 1,682
Equity / Assets
10.48%
Rank 1,255 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.05% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,501 / 1,683 | ||
| Return on Equity | -0.45% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,504 / 1,681 | ||
| Net Interest Margin | 5.28% | 3.31% | 3.82% | 4.32% | Beats 94% | 98 / 1,683 | ||
| Efficiency Ratio | 72.31% | 68.91% | 78.20% | 86.93% | Beats 67% | 550 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.24% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,483 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.48% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,255 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.48% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,255 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.59% | 52.61% | 69.38% | 83.50% | 61st pctl | 661 / 1,683 | ||
| Loans / Assets | 66.80% | 44.71% | 59.18% | 70.72% | 66th pctl | 570 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||