Cedar Rapids, IA · Charter 64991
NCUA · 1 branch
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 | 1.51% | 1.43% | 1.46% | 1.42% | 1.57% | 1.46% | 1.41% | 1.32% | -10 bps | |
| Return on Equity | 9.45% | 8.83% | 9.19% | 8.59% | 9.19% | 8.74% | 8.56% | 7.84% | -75 bps | |
| Net Interest Margin | 5.25% | 5.29% | 4.97% | 5.13% | 5.24% | 5.03% | 4.74% | 4.79% | -35 bps | |
| Efficiency Ratio | 66.88% | 69.11% | 71.72% | 72.10% | 70.08% | 71.72% | 72.58% | 74.68% | +258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 0.70% | -0.39% | 0.25% | 1.36% | 5.61% | 4.42% | 5.68% | +544 bps | |
| Loan Growth (YoY) | -4.68% | -4.32% | -6.31% | -4.10% | -3.22% | -0.44% | -2.18% | -5.57% | -147 bps | |
| Share Growth (YoY) | -0.39% | -0.70% | -1.93% | -1.26% | -0.03% | 5.01% | 3.70% | 5.19% | +645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 16.03% | 16.25% | 15.89% | 16.52% | 17.10% | 16.68% | 16.47% | 16.88% | +36 bps | |
| Net Worth / Assets | 16.03% | 16.25% | 15.89% | 16.52% | 17.10% | 16.68% | 16.47% | 16.88% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.23% | 57.29% | 52.12% | 55.35% | 57.34% | 54.32% | 49.16% | 49.69% | -566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |