PackageTrendsPeer
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Community Choice

Johnston, IA · Charter 65078

NCUA · 11 branches

Q2 2026

$922.9MAssets
$743.9MLoans
$783.5MShares
$117.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.53%, up 62 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.57% of loans (+1 bps YoY).
  • Capital: net worth / assets of 12.74%, up 48 bps from a year ago.
  • Funding: loans stand at 94.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.53%+62 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+12 bps YoY

Efficiency Ratio (quarter, annualized)

73.06%-548 bps YoY

Net Worth / Assets

12.74%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.99%0.87%1.43%1.53%+62 bps
Return on Equity7.38%7.87%7.10%11.51%12.00%+462 bps
Net Interest Margin4.13%4.19%4.08%4.23%4.25%+12 bps
Efficiency Ratio78.54%78.62%80.83%72.74%73.06%-548 bps
Growth
Asset Growth (YoY)8.70%9.42%11.46%13.08%6.08%-262 bps
Loan Growth (YoY)6.96%9.04%9.55%11.01%7.09%+13 bps
Share Growth (YoY)10.77%9.30%12.60%11.78%5.56%-521 bps
Asset Quality
Delinquent Loans / Loans0.56%0.48%0.58%0.47%0.57%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.26%12.63%12.24%12.39%12.74%+48 bps
Net Worth / Assets12.26%12.63%12.24%12.39%12.74%+48 bps
Liquidity & Funding
Loans / Shares93.58%98.61%95.91%96.09%94.94%+136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps