Mason City, IA · Charter 65040
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.73% | 1.64% | 2.06% | 1.95% | +13 bps | |
| Return on Equity | 3.99% | 3.60% | 3.32% | 4.20% | 4.05% | +6 bps | |
| Net Interest Margin | 4.05% | 4.35% | 4.37% | 4.39% | 4.18% | +13 bps | |
| Efficiency Ratio | 55.37% | 60.42% | 62.70% | 53.27% | 53.52% | -185 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.20% | 0.18% | -2.06% | -1.23% | -2.25% | -546 bps | |
| Loan Growth (YoY) | -23.06% | -23.20% | -19.86% | -15.46% | -3.79% | +1,927 bps | |
| Share Growth (YoY) | 3.67% | -2.29% | -6.63% | -5.60% | -7.23% | -1,090 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.91% | 0.00% | 0.91% | 0.88% | 4.11% | +220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.50% | 1.56% | 1.64% | 1.54% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Net Worth / Assets | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.12% | 99.23% | 99.29% | 92.35% | 94.50% | +338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |