North Platte, NE · Charter 65528
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 | 0.37% | 0.45% | 0.40% | 0.49% | 0.70% | 0.70% | 0.94% | 1.10% | +61 bps | |
| Return on Equity | 2.34% | 2.86% | 2.50% | 3.04% | 4.30% | 4.32% | 5.81% | 6.65% | +361 bps | |
| Net Interest Margin | 2.48% | 2.55% | 2.80% | 2.84% | 2.85% | 2.82% | 2.94% | 3.02% | +18 bps | |
| Efficiency Ratio | 88.50% | 86.17% | 80.02% | 78.05% | 74.75% | 76.15% | 73.73% | 70.46% | -759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | 0.81% | -4.63% | 0.12% | 0.61% | 2.68% | 3.65% | 3.15% | +303 bps | |
| Loan Growth (YoY) | -8.22% | -9.31% | -8.50% | -10.96% | -12.27% | -13.74% | -15.46% | -11.63% | -68 bps | |
| Share Growth (YoY) | 0.76% | 0.84% | -5.77% | -0.56% | 0.06% | 1.40% | 2.05% | 1.53% | +210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 1.66% | 0.75% | 0.59% | 0.67% | 0.83% | 3.59% | 0.75% | +16 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 | 15.69% | 15.92% | 15.91% | 16.00% | 16.40% | 16.15% | 16.26% | 16.48% | +49 bps | |
| Net Worth / Assets | 15.69% | 15.92% | 15.91% | 16.00% | 16.40% | 16.15% | 16.26% | 16.48% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.42% | 54.26% | 51.96% | 49.57% | 48.60% | 46.15% | 43.05% | 43.14% | -643 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |