Mason City, IA · Charter 65040
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 | 1.75% | 1.35% | 1.91% | 1.81% | 1.73% | 1.64% | 2.06% | 1.95% | +13 bps | |
| Return on Equity | 3.76% | 2.91% | 4.09% | 3.99% | 3.60% | 3.32% | 4.20% | 4.05% | +6 bps | |
| Net Interest Margin | 4.17% | 4.21% | 4.31% | 4.05% | 4.35% | 4.37% | 4.39% | 4.18% | +13 bps | |
| Efficiency Ratio | 59.44% | 68.76% | 55.91% | 55.37% | 60.42% | 62.70% | 53.27% | 53.52% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -3.33% | -1.17% | 3.20% | 0.18% | -2.06% | -1.23% | -2.25% | -546 bps | |
| Loan Growth (YoY) | -0.12% | -6.22% | -16.77% | -23.06% | -23.20% | -19.86% | -15.46% | -3.79% | +1,927 bps | |
| Share Growth (YoY) | -14.55% | -9.09% | -4.98% | 3.67% | -2.29% | -6.63% | -5.60% | -7.23% | -1,090 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 2.36% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.25% | 1.39% | 1.48% | 1.50% | 1.56% | 1.64% | 1.54% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.70% | 46.51% | 46.63% | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Net Worth / Assets | 46.70% | 46.51% | 46.63% | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.25% | 115.68% | 103.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |