Dubuque, IA · Charter 65243
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 | 1.07% | 0.01% | 0.35% | 0.45% | 0.49% | 0.02% | 0.22% | 0.27% | -18 bps | |
| Return on Equity | 8.75% | 0.07% | 3.07% | 3.99% | 4.36% | 0.16% | 2.19% | 2.78% | -121 bps | |
| Net Interest Margin | 1.73% | 0.70% | 1.23% | 1.22% | 1.21% | 0.70% | 0.96% | 0.95% | -27 bps | |
| Efficiency Ratio | 40.02% | 99.01% | 71.55% | 62.89% | 59.40% | 97.63% | 77.50% | 71.36% | +846 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.42% | -4.76% | 0.35% | 2.91% | 5.26% | 10.71% | 15.16% | 15.31% | +1,240 bps | |
| Loan Growth (YoY) | 38.67% | 24.11% | 28.34% | 16.54% | -9.59% | 9.78% | -4.95% | -21.12% | -3,765 bps | |
| Share Growth (YoY) | -6.03% | -4.06% | 0.59% | 3.68% | 6.46% | 12.07% | 17.11% | 17.32% | +1,364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.53% | 0.70% | 0.00% | 0.00% | 0.00% | -53 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 | 12.23% | 11.32% | 11.37% | 11.30% | 11.23% | 10.24% | 9.87% | 9.75% | -154 bps | |
| Net Worth / Assets | 12.23% | 11.32% | 11.37% | 11.30% | 11.23% | 10.24% | 9.87% | 9.75% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.01% | 3.62% | 3.65% | 3.69% | 3.41% | 3.55% | 2.96% | 2.48% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |