Burlington, IA · Charter 65239
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 | 1.08% | 0.88% | 0.75% | 1.22% | 1.21% | 1.21% | 1.12% | 1.13% | -9 bps | |
| Return on Equity | 7.95% | 6.17% | 5.28% | 8.44% | 8.13% | 7.93% | 7.36% | 7.26% | -118 bps | |
| Net Interest Margin | 3.76% | 3.84% | 3.76% | 4.20% | 4.24% | 4.28% | 4.35% | 4.25% | +5 bps | |
| Efficiency Ratio | 67.40% | 70.97% | 74.02% | 65.01% | 66.04% | 65.78% | 74.65% | 73.67% | +866 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -6.46% | -4.14% | -4.83% | -0.02% | 2.91% | 3.04% | 1.52% | +635 bps | |
| Loan Growth (YoY) | -7.48% | -8.09% | -6.54% | -7.74% | 1.61% | 5.92% | 1.85% | 5.88% | +1,362 bps | |
| Share Growth (YoY) | -4.87% | -8.49% | -5.79% | -6.78% | -1.54% | 1.57% | 1.75% | 0.22% | +700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.55% | 0.32% | 0.15% | 1.37% | 1.22% | 0.78% | 0.87% | +72 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 | 1.45% | 1.22% | 1.20% | 1.25% | 1.18% | 1.19% | 1.47% | 1.46% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.59% | 14.21% | 14.11% | 14.49% | 14.85% | 15.29% | 15.17% | 15.57% | +108 bps | |
| Net Worth / Assets | 13.59% | 14.21% | 14.11% | 14.49% | 14.85% | 15.29% | 15.17% | 15.57% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.30% | 90.52% | 89.45% | 87.54% | 94.22% | 94.40% | 89.54% | 92.49% | +495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |