Cedar Falls, IA · Charter 65565
NCUA · 4 branches
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 | 1.59% | 1.57% | 1.41% | 1.60% | 1.52% | 1.50% | 1.37% | 1.20% | -40 bps | |
| Return on Equity | 9.57% | 9.51% | 8.63% | 9.71% | 9.30% | 9.15% | 8.49% | 7.55% | -215 bps | |
| Net Interest Margin | 2.99% | 2.93% | 3.04% | 3.15% | 3.15% | 3.15% | 3.28% | 3.30% | +15 bps | |
| Efficiency Ratio | 56.10% | 55.15% | 54.90% | 50.83% | 51.42% | 50.51% | 49.91% | 46.41% | -442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.07% | 10.22% | 7.42% | 9.90% | 11.85% | 10.46% | 11.31% | 12.81% | +291 bps | |
| Loan Growth (YoY) | 7.94% | 13.52% | 14.72% | 13.50% | 12.66% | 13.08% | 13.68% | 20.17% | +667 bps | |
| Share Growth (YoY) | 7.48% | 10.25% | 7.09% | 9.87% | 12.12% | 10.47% | 11.26% | 13.39% | +352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.07% | 0.83% | 0.81% | 0.78% | 0.82% | 0.76% | 0.78% | -3 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 | 16.63% | 16.49% | 16.37% | 16.45% | 16.40% | 16.44% | 16.19% | 15.87% | -58 bps | |
| Net Worth / Assets | 16.63% | 16.49% | 16.37% | 16.45% | 16.40% | 16.44% | 16.19% | 15.87% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.01% | 94.65% | 94.59% | 93.62% | 94.46% | 96.89% | 96.65% | 99.21% | +559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |