McCook, NE · Charter 6466
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | -0.19% | 0.03% | 0.58% | -0.05% | -32 bps | |
| Return on Equity | 2.55% | -1.70% | 0.29% | 5.51% | -0.43% | -298 bps | |
| Net Interest Margin | 4.94% | 5.13% | 4.86% | 5.20% | 5.28% | +34 bps | |
| Efficiency Ratio | 87.58% | 89.42% | 89.43% | 78.22% | 72.29% | -1,528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.05% | -0.83% | 3.17% | 2.86% | 3.02% | +198 bps | |
| Loan Growth (YoY) | -2.59% | -5.67% | -3.89% | -5.22% | -2.47% | +12 bps | |
| Share Growth (YoY) | -2.03% | -1.62% | 2.44% | 2.15% | 5.71% | +774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.89% | 11.09% | 10.55% | 10.56% | 10.48% | -42 bps | |
| Net Worth / Assets | 10.89% | 11.09% | 10.55% | 10.56% | 10.48% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |