Mason City, IA · Charter 65238
NCUA · 4 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 | 0.91% | 0.74% | 0.39% | 0.61% | 0.68% | 0.69% | 0.82% | 0.89% | +29 bps | |
| Return on Equity | 7.60% | 6.49% | 3.52% | 5.29% | 5.70% | 5.51% | 6.52% | 7.01% | +172 bps | |
| Net Interest Margin | 3.18% | 3.01% | 2.94% | 3.12% | 3.30% | 3.48% | 3.59% | 3.63% | +50 bps | |
| Efficiency Ratio | 74.02% | 76.74% | 88.89% | 84.00% | 83.07% | 82.07% | 75.37% | 74.85% | -915 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.03% | 11.64% | 8.39% | 7.50% | 5.58% | -4.34% | -5.10% | -3.76% | -1,125 bps | |
| Loan Growth (YoY) | 0.21% | 3.24% | 5.62% | 7.89% | 7.88% | 4.28% | 4.10% | 6.89% | -101 bps | |
| Share Growth (YoY) | 8.63% | 12.03% | 8.29% | 7.57% | 4.91% | -5.64% | -6.66% | -4.93% | -1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.34% | 0.32% | 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 | 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 | 12.03% | 11.38% | 11.12% | 11.48% | 12.00% | 12.59% | 12.50% | 12.73% | +126 bps | |
| Net Worth / Assets | 12.03% | 11.38% | 11.12% | 11.48% | 12.00% | 12.59% | 12.50% | 12.73% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.38% | 81.43% | 79.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |