Waterloo, IA · Charter 65193
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 | 2.40% | 1.18% | 1.53% | 1.97% | 2.01% | 1.02% | 2.06% | 2.17% | +20 bps | |
| Return on Equity | 18.62% | 10.07% | 12.63% | 15.59% | 15.11% | 7.96% | 15.70% | 16.32% | +73 bps | |
| Net Interest Margin | 3.85% | 2.66% | 3.44% | 3.79% | 3.90% | 2.91% | 4.07% | 4.01% | +22 bps | |
| Efficiency Ratio | 44.23% | 60.59% | 51.28% | 46.19% | 47.34% | 63.64% | 49.46% | 46.04% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.38% | -2.32% | -2.76% | 3.56% | 4.12% | -1.06% | 1.47% | 4.02% | +46 bps | |
| Loan Growth (YoY) | -9.28% | 1.34% | -1.62% | 2.36% | 3.80% | -2.77% | 7.91% | 14.11% | +1,175 bps | |
| Share Growth (YoY) | -12.88% | -4.05% | -4.03% | 3.08% | 3.67% | -1.12% | 0.32% | 3.22% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 2.96% | 1.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.67% | 0.22% | 0.29% | 0.30% | 0.29% | 0.29% | 0.27% | 0.26% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 11.70% | 12.11% | 12.62% | 13.27% | 12.81% | 13.11% | 13.29% | +67 bps | |
| Net Worth / Assets | 12.89% | 11.70% | 12.11% | 12.62% | 13.27% | 12.81% | 13.11% | 13.29% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.13% | 86.90% | 84.55% | 82.32% | 87.24% | 85.45% | 90.95% | 91.01% | +868 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |