Mason City, IA · Charter 65238
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.68% | 0.69% | 0.82% | 0.89% | +29 bps | |
| Return on Equity | 5.29% | 5.70% | 5.51% | 6.52% | 7.01% | +172 bps | |
| Net Interest Margin | 3.12% | 3.30% | 3.48% | 3.59% | 3.63% | +50 bps | |
| Efficiency Ratio | 84.00% | 83.07% | 82.07% | 75.37% | 74.85% | -915 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.50% | 5.58% | -4.34% | -5.10% | -3.76% | -1,125 bps | |
| Loan Growth (YoY) | 7.89% | 7.88% | 4.28% | 4.10% | 6.89% | -101 bps | |
| Share Growth (YoY) | 7.57% | 4.91% | -5.64% | -6.66% | -4.93% | -1,250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.44% | 0.35% | 0.28% | 0.20% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.48% | 12.00% | 12.59% | 12.50% | 12.73% | +126 bps | |
| Net Worth / Assets | 11.48% | 12.00% | 12.59% | 12.50% | 12.73% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.93% | 86.77% | 90.00% | 88.21% | 92.12% | +1,019 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |