Dubuque, IA · Charter 64917
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 | 0.44% | 0.39% | -0.09% | 0.27% | 0.44% | 0.53% | 0.70% | 1.01% | +74 bps | |
| Return on Equity | 3.05% | 2.68% | -0.62% | 1.83% | 3.00% | 3.59% | 4.67% | 6.62% | +479 bps | |
| Net Interest Margin | 2.11% | 2.18% | 2.41% | 2.23% | 2.37% | 2.30% | 2.64% | 2.58% | +35 bps | |
| Efficiency Ratio | 79.12% | 81.88% | 103.71% | 88.06% | 81.41% | 77.08% | 73.61% | 60.86% | -2,720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -2.68% | 4.40% | 1.37% | 0.54% | 4.10% | 1.40% | 0.40% | -97 bps | |
| Loan Growth (YoY) | -12.30% | -12.10% | 4.64% | 18.51% | 13.30% | 9.27% | 1.22% | -9.71% | -2,822 bps | |
| Share Growth (YoY) | -4.30% | -3.49% | 4.86% | 0.65% | 0.06% | 4.08% | 0.55% | -0.03% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.44% | 0.07% | 0.23% | 0.00% | 0.00% | 0.00% | -7 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 | 1.07% | 1.09% | 1.02% | 0.94% | 0.94% | 1.00% | 1.01% | 1.04% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.42% | 14.71% | 14.35% | 14.58% | 14.74% | 14.66% | 14.94% | 15.28% | +70 bps | |
| Net Worth / Assets | 14.42% | 14.71% | 14.35% | 14.58% | 14.74% | 14.66% | 14.94% | 15.28% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.81% | 34.69% | 36.11% | 39.84% | 39.41% | 36.42% | 36.35% | 35.98% | -386 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |