PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Holy Ghost Parish

Dubuque, IA · Charter 65243

NCUA · 1 branch

Q2 2026

$34.9MAssets
$780KLoans
$31.5MShares
$3.4MNet 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 0.27%, down 18 bps year over year; NIM at 0.95%.
  • Asset quality: problem loans at 0.00% of loans (-53 bps YoY).
  • Capital: net worth / assets of 9.75%, down 154 bps from a year ago.
  • Funding: loans stand at 2.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.27%-18 bps YoY

Net Interest Margin (YTD, annualized)

0.95%-27 bps YoY

Efficiency Ratio (YTD, annualized)

71.36%+846 bps YoY

Net Worth / Assets

9.75%-154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.49%0.02%0.22%0.27%-18 bps
Return on Equity3.99%4.36%0.16%2.19%2.78%-121 bps
Net Interest Margin1.22%1.21%0.70%0.96%0.95%-27 bps
Efficiency Ratio62.89%59.40%97.63%77.50%71.36%+846 bps
Growth
Asset Growth (YoY)2.91%5.26%10.71%15.16%15.31%+1,240 bps
Loan Growth (YoY)16.54%-9.59%9.78%-4.95%-21.12%-3,765 bps
Share Growth (YoY)3.68%6.46%12.07%17.11%17.32%+1,364 bps
Asset Quality
Delinquent Loans / Loans0.53%0.70%0.00%0.00%0.00%-53 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 Capital11.30%11.23%10.24%9.87%9.75%-154 bps
Net Worth / Assets11.30%11.23%10.24%9.87%9.75%-154 bps
Liquidity & Funding
Loans / Shares3.69%3.41%3.55%2.96%2.48%-121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps