Des Moines, IA · Charter 65039
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 | 1.93% | 1.75% | 0.54% | 3.60% | 2.69% | +76 bps | |
| Return on Equity | 8.36% | 7.69% | 2.44% | 15.49% | 11.39% | +303 bps | |
| Net Interest Margin | 5.84% | 5.73% | 5.56% | 6.54% | 5.89% | +6 bps | |
| Efficiency Ratio | 65.16% | 65.03% | 74.80% | 47.93% | 56.44% | -872 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.11% | 2.70% | 1.22% | 0.66% | 1.62% | +173 bps | |
| Loan Growth (YoY) | 5.89% | 9.71% | 5.39% | 5.47% | 2.81% | -308 bps | |
| Share Growth (YoY) | -1.28% | 2.51% | 0.82% | -0.23% | 0.94% | +221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.00% | 1.02% | 0.00% | 0.04% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.99% | 2.06% | 1.92% | 1.87% | +99 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.08% | 22.78% | 22.33% | 23.26% | 23.65% | +57 bps | |
| Net Worth / Assets | 23.08% | 22.78% | 22.33% | 23.26% | 23.65% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.44% | 96.12% | 94.25% | 97.00% | 98.23% | +179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |