PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Industrial Employees

Centerville, IA · Charter 65242

NCUA · 1 branch

Q2 2026

$9.2MAssets
$4.7MLoans
$7.1MShares
$2.0MNet 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 1.00%, down 14 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY).
  • Capital: net worth / assets of 22.16%, up 84 bps from a year ago.
  • Funding: loans stand at 65.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+22 bps YoY

Efficiency Ratio (YTD, annualized)

79.81%+330 bps YoY

Net Worth / Assets

22.16%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.22%1.16%0.97%1.00%-14 bps
Return on Equity5.34%5.51%5.12%4.47%4.52%-82 bps
Net Interest Margin3.84%4.01%4.15%3.97%4.06%+22 bps
Efficiency Ratio76.51%75.90%77.72%79.90%79.81%+330 bps
Growth
Asset Growth (YoY)-2.80%-1.48%-0.66%3.13%0.06%+286 bps
Loan Growth (YoY)-3.36%-8.27%-12.44%-12.35%-11.34%-798 bps
Share Growth (YoY)-4.33%-2.74%-1.57%3.32%-1.29%+304 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.05%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.32%22.05%22.56%21.74%22.16%+84 bps
Net Worth / Assets21.32%22.05%22.56%21.74%22.16%+84 bps
Liquidity & Funding
Loans / Shares73.14%73.43%72.55%65.36%65.69%-745 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps