Cedar Rapids, IA · Charter 65062
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 0.00% | 0.80% | 1.34% | 0.97% | 0.10% | 1.69% | 1.22% | -12 bps | |
| Return on Equity | 6.48% | -0.01% | 2.43% | 4.00% | 3.04% | 0.35% | 5.76% | 4.10% | +11 bps | |
| Net Interest Margin | 3.61% | 3.23% | 3.82% | 3.80% | 3.53% | 2.88% | 4.64% | 3.53% | -26 bps | |
| Efficiency Ratio | 56.74% | 100.12% | 79.23% | 64.93% | 72.69% | 96.41% | 63.72% | 65.73% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.68% | -0.51% | 2.14% | 2.78% | 1.08% | 8.02% | 11.25% | 10.76% | +798 bps | |
| Loan Growth (YoY) | -2.64% | -2.74% | 3.07% | 5.31% | -8.41% | -17.35% | -15.63% | -25.22% | -3,053 bps | |
| Share Growth (YoY) | 0.52% | -1.30% | 4.72% | 4.96% | 2.56% | 11.81% | 16.82% | 16.75% | +1,179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.58% | 0.00% | 0.00% | 1.41% | +141 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 | 2.06% | 2.15% | 2.09% | 2.06% | 2.25% | 2.60% | 2.48% | 2.76% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.87% | 31.80% | 32.86% | 33.41% | 31.81% | 29.56% | 29.39% | 29.62% | -379 bps | |
| Net Worth / Assets | 32.87% | 31.80% | 32.86% | 33.41% | 31.81% | 29.56% | 29.39% | 29.62% | -379 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.21% | 109.01% | 115.34% | 118.35% | 100.21% | 80.58% | 83.30% | 75.80% | -4,255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |