PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Burlington Municipal Employees

Burlington, IA · Charter 65239

NCUA · 1 branch

Q2 2026

$4.7MAssets
$3.7MLoans
$3.9MShares
$731KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, down 9 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.87% of loans (+72 bps YoY).
  • Capital: net worth / assets of 15.57%, up 108 bps from a year ago.
  • Funding: loans stand at 92.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%-9 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+5 bps YoY

Efficiency Ratio (quarter, annualized)

73.67%+866 bps YoY

Net Worth / Assets

15.57%+108 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.21%1.21%1.12%1.13%-9 bps
Return on Equity8.44%8.13%7.93%7.36%7.26%-118 bps
Net Interest Margin4.20%4.24%4.28%4.35%4.25%+5 bps
Efficiency Ratio65.01%66.04%65.78%74.65%73.67%+866 bps
Growth
Asset Growth (YoY)-4.83%-0.02%2.91%3.04%1.52%+635 bps
Loan Growth (YoY)-7.74%1.61%5.92%1.85%5.88%+1,362 bps
Share Growth (YoY)-6.78%-1.54%1.57%1.75%0.22%+700 bps
Asset Quality
Delinquent Loans / Loans0.15%1.37%1.22%0.78%0.87%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.18%1.19%1.47%1.46%+21 bps
Capital
Risk-Based Capital14.49%14.85%15.29%15.17%15.57%+108 bps
Net Worth / Assets14.49%14.85%15.29%15.17%15.57%+108 bps
Liquidity & Funding
Loans / Shares87.54%94.22%94.40%89.54%92.49%+495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps