Centerville, IA · Charter 65242
NCUA · 1 branch
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 | 1.26% | 1.32% | 1.10% | 1.14% | 1.22% | 1.16% | 0.97% | 1.00% | -14 bps | |
| Return on Equity | 6.04% | 6.02% | 5.01% | 5.34% | 5.51% | 5.12% | 4.47% | 4.52% | -82 bps | |
| Net Interest Margin | 3.55% | 3.71% | 3.86% | 3.84% | 4.01% | 4.15% | 3.97% | 4.06% | +22 bps | |
| Efficiency Ratio | 73.93% | 73.71% | 77.20% | 76.51% | 75.90% | 77.72% | 79.90% | 79.81% | +330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -3.91% | -2.54% | -2.80% | -1.48% | -0.66% | 3.13% | 0.06% | +286 bps | |
| Loan Growth (YoY) | -0.35% | -0.63% | -2.18% | -3.36% | -8.27% | -12.44% | -12.35% | -11.34% | -798 bps | |
| Share Growth (YoY) | -6.06% | -6.50% | -4.70% | -4.33% | -2.74% | -1.57% | 3.32% | -1.29% | +304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 1.07% | 1.94% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 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 | 20.87% | 21.84% | 21.88% | 21.32% | 22.05% | 22.56% | 21.74% | 22.16% | +84 bps | |
| Net Worth / Assets | 20.87% | 21.84% | 21.88% | 21.32% | 22.05% | 22.56% | 21.74% | 22.16% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.85% | 81.56% | 77.05% | 73.14% | 73.43% | 72.55% | 65.36% | 65.69% | -745 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |