Jesup, IA · Charter 65136
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 | 2.50% | 0.26% | 1.22% | 1.39% | 0.73% | 0.14% | 0.30% | 1.73% | +34 bps | |
| Return on Equity | 13.71% | 1.57% | 7.26% | 8.21% | 4.28% | 0.66% | 1.36% | 6.85% | -135 bps | |
| Net Interest Margin | 6.76% | 6.77% | 5.66% | 6.50% | 6.10% | 7.88% | 6.04% | 8.21% | +171 bps | |
| Efficiency Ratio | 65.36% | 89.75% | 78.89% | 65.15% | 71.73% | 85.80% | 95.24% | 79.33% | +1,418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.37% | -4.21% | 1.94% | 3.18% | 1.19% | -21.09% | -22.84% | -32.92% | -3,611 bps | |
| Loan Growth (YoY) | -6.88% | -6.10% | -3.80% | -6.11% | -3.95% | -9.29% | -12.70% | -20.54% | -1,443 bps | |
| Share Growth (YoY) | -12.40% | -5.29% | 2.31% | 3.80% | 2.76% | -25.56% | -27.32% | -39.66% | -4,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.86% | 9.45% | 33.44% | 10.26% | 12.60% | 29.38% | 15.40% | 6.68% | -358 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 | 3.31% | 3.96% | 4.07% | 5.05% | 5.24% | 5.55% | 5.93% | 0.74% | -431 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.26% | 16.81% | 16.86% | 16.95% | 16.99% | 21.44% | 21.67% | 25.26% | +831 bps | |
| Net Worth / Assets | 18.26% | 16.81% | 16.86% | 16.95% | 16.99% | 21.44% | 21.67% | 25.26% | +831 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.57% | 87.93% | 84.27% | 77.57% | 82.78% | 107.15% | 101.22% | 102.14% | +2,457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |