Johnston, IA · Charter 65078
NCUA · 11 branches
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 | 0.93% | 0.80% | 0.83% | 0.90% | 0.99% | 0.87% | 1.43% | 1.53% | +62 bps | |
| Return on Equity | 7.56% | 6.64% | 6.78% | 7.38% | 7.87% | 7.10% | 11.51% | 12.00% | +462 bps | |
| Net Interest Margin | 4.16% | 4.10% | 4.27% | 4.13% | 4.19% | 4.08% | 4.23% | 4.25% | +12 bps | |
| Efficiency Ratio | 77.78% | 79.92% | 81.29% | 78.54% | 78.62% | 80.83% | 72.74% | 73.06% | -548 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | 0.52% | 0.78% | 8.70% | 9.42% | 11.46% | 13.08% | 6.08% | -262 bps | |
| Loan Growth (YoY) | -1.76% | 0.51% | 2.30% | 6.96% | 9.04% | 9.55% | 11.01% | 7.09% | +13 bps | |
| Share Growth (YoY) | 0.76% | 1.00% | 2.87% | 10.77% | 9.30% | 12.60% | 11.78% | 5.56% | -521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.57% | 0.49% | 0.56% | 0.48% | 0.58% | 0.47% | 0.57% | +1 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 | 12.30% | 12.11% | 12.28% | 12.26% | 12.63% | 12.24% | 12.39% | 12.74% | +48 bps | |
| Net Worth / Assets | 12.30% | 12.11% | 12.28% | 12.26% | 12.63% | 12.24% | 12.39% | 12.74% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.84% | 98.58% | 96.76% | 93.58% | 98.61% | 95.91% | 96.09% | 94.94% | +136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |