PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Aegis

Clinton, IA · Charter 65521

NCUA · 2 branches

Q2 2026

$27.3MAssets
$20.7MLoans
$22.5MShares
$4.7MNet 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 1.78%, down 8 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 1.83% of loans (+2 bps YoY).
  • Capital: net worth / assets of 17.24%, up 124 bps from a year ago.
  • Funding: loans stand at 92.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.78%-8 bps YoY

Net Interest Margin (quarter, annualized)

5.57%-5 bps YoY

Efficiency Ratio (quarter, annualized)

70.72%+408 bps YoY

Net Worth / Assets

17.24%+124 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%2.17%2.18%1.78%1.78%-8 bps
Return on Equity11.64%13.24%12.79%10.55%10.32%-132 bps
Net Interest Margin5.62%5.60%5.63%5.48%5.57%-5 bps
Efficiency Ratio66.64%66.02%64.00%70.47%70.72%+408 bps
Growth
Asset Growth (YoY)6.66%7.98%0.54%2.66%5.04%-162 bps
Loan Growth (YoY)1.62%7.26%4.44%9.71%19.53%+1,792 bps
Share Growth (YoY)7.11%9.34%0.36%0.58%3.49%-362 bps
Asset Quality
Delinquent Loans / Loans1.80%1.13%1.86%2.10%1.83%+2 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 Capital16.00%16.36%17.04%16.89%17.24%+124 bps
Net Worth / Assets16.00%16.36%17.04%16.89%17.24%+124 bps
Liquidity & Funding
Loans / Shares79.79%81.31%81.11%83.84%92.16%+1,237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps