Des Moines, IA · Charter 64943
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 | 1.01% | 0.73% | 0.07% | 0.48% | 0.70% | -30 bps | |
| Return on Equity | 4.21% | 3.00% | 0.32% | 2.02% | 2.91% | -130 bps | |
| Net Interest Margin | 4.36% | 4.39% | 4.00% | 4.43% | 4.36% | 0 bps | |
| Efficiency Ratio | 76.94% | 83.38% | 98.14% | 89.17% | 83.87% | +693 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.38% | -1.24% | 0.45% | -0.65% | -1.34% | +4 bps | |
| Loan Growth (YoY) | 3.62% | 10.23% | 6.83% | 2.11% | -16.19% | -1,981 bps | |
| Share Growth (YoY) | -1.24% | -1.40% | 0.49% | -0.85% | -1.66% | -42 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.00% | 0.76% | 0.00% | 2.04% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 2.07% | 2.16% | 2.33% | 2.52% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.89% | 24.31% | 23.55% | 23.78% | 24.14% | +24 bps | |
| Net Worth / Assets | 23.89% | 24.31% | 23.55% | 23.78% | 24.14% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.13% | 89.85% | 84.09% | 78.40% | 73.40% | -1,273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |