Cedar Falls, IA · Charter 65071
NCUA · 1 branch
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 | 0.50% | -0.07% | -0.99% | -0.72% | 0.81% | 0.44% | -1.31% | -0.23% | +50 bps | |
| Return on Equity | 3.75% | -0.56% | -8.21% | -6.09% | 6.28% | 3.54% | -11.21% | -1.91% | +418 bps | |
| Net Interest Margin | 4.18% | 3.98% | 3.50% | 3.64% | 3.70% | 3.61% | 3.41% | 3.43% | -21 bps | |
| Efficiency Ratio | 85.70% | 97.15% | 107.08% | 107.18% | 79.81% | 86.21% | 116.85% | 103.97% | -321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.71% | -5.26% | -1.14% | 1.57% | 4.53% | 5.21% | 5.69% | 6.16% | +459 bps | |
| Loan Growth (YoY) | -3.48% | -4.28% | 10.68% | 13.90% | 17.04% | 28.24% | 16.63% | 17.22% | +333 bps | |
| Share Growth (YoY) | -13.06% | -5.75% | -0.14% | 2.75% | 4.73% | 5.41% | 5.64% | 5.54% | +279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.55% | 0.77% | 0.46% | 0.44% | 1.59% | 0.00% | 3.42% | +296 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 | 13.37% | 12.61% | 11.99% | 11.88% | 12.96% | 12.40% | 11.66% | 11.82% | -6 bps | |
| Net Worth / Assets | 13.37% | 12.61% | 11.99% | 11.88% | 12.96% | 12.40% | 11.66% | 11.82% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.80% | 40.33% | 43.92% | 44.60% | 46.71% | 49.06% | 48.49% | 49.54% | +494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |