Dubuque, IA · Charter 64886
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.69% | 0.50% | 0.53% | 0.78% | 0.82% | 0.98% | 1.05% | +52 bps | |
| Return on Equity | 5.83% | 5.42% | 3.99% | 4.13% | 5.80% | 6.08% | 7.56% | 7.99% | +386 bps | |
| Net Interest Margin | 3.21% | 3.18% | 3.26% | 3.40% | 3.51% | 3.50% | 3.37% | 3.42% | +2 bps | |
| Efficiency Ratio | 71.29% | 73.14% | 78.61% | 75.64% | 73.45% | 73.47% | 75.79% | 72.78% | -286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.00% | 1.86% | 2.06% | 0.43% | 0.16% | -0.17% | 3.27% | 6.14% | +571 bps | |
| Loan Growth (YoY) | -5.44% | -5.85% | -3.36% | 0.25% | 4.77% | 4.69% | 4.65% | 5.01% | +476 bps | |
| Share Growth (YoY) | 0.26% | 1.44% | 1.75% | 0.02% | -0.78% | -1.25% | 2.62% | 5.77% | +575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.06% | 0.76% | 0.55% | 1.06% | 0.99% | 0.68% | 0.60% | +4 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 | 12.80% | 12.71% | 12.54% | 12.89% | 13.43% | 13.49% | 12.98% | 13.12% | +23 bps | |
| Net Worth / Assets | 12.80% | 12.71% | 12.54% | 12.89% | 13.43% | 13.49% | 12.98% | 13.12% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.81% | 74.95% | 73.27% | 76.41% | 80.05% | 79.45% | 74.72% | 75.86% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |