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Quaker Oats

Cedar Rapids, IA · Charter 64991

NCUA · 1 branch

Q2 2026

$13.3MAssets
$5.5MLoans
$11.0MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.32%, down 10 bps year over year; NIM at 4.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.88%, up 36 bps from a year ago.
  • Funding: loans stand at 49.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.79%-35 bps YoY

Efficiency Ratio (YTD, annualized)

74.68%+258 bps YoY

Net Worth / Assets

16.88%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.57%1.46%1.41%1.32%-10 bps
Return on Equity8.59%9.19%8.74%8.56%7.84%-75 bps
Net Interest Margin5.13%5.24%5.03%4.74%4.79%-35 bps
Efficiency Ratio72.10%70.08%71.72%72.58%74.68%+258 bps
Growth
Asset Growth (YoY)0.25%1.36%5.61%4.42%5.68%+544 bps
Loan Growth (YoY)-4.10%-3.22%-0.44%-2.18%-5.57%-147 bps
Share Growth (YoY)-1.26%-0.03%5.01%3.70%5.19%+645 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.52%17.10%16.68%16.47%16.88%+36 bps
Net Worth / Assets16.52%17.10%16.68%16.47%16.88%+36 bps
Liquidity & Funding
Loans / Shares55.35%57.34%54.32%49.16%49.69%-566 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps