Cedar Rapids, IA · Charter 65606
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 | -0.36% | -0.25% | 0.43% | 0.20% | 0.02% | -0.26% | -0.40% | -0.51% | -71 bps | |
| Return on Equity | -6.06% | -4.06% | 7.00% | 3.04% | 0.32% | -4.22% | -6.75% | -8.76% | -1,181 bps | |
| Net Interest Margin | 3.81% | 4.18% | 4.98% | 5.23% | 5.26% | 5.10% | 4.49% | 4.59% | -64 bps | |
| Efficiency Ratio | 108.53% | 105.53% | 91.77% | 93.78% | 95.90% | 97.15% | 107.38% | 110.01% | +1,623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -4.35% | -6.17% | -10.60% | -9.45% | -2.98% | -4.22% | 0.01% | +1,061 bps | |
| Loan Growth (YoY) | -6.82% | -11.25% | -5.86% | -5.30% | -5.82% | -0.99% | -4.02% | -2.89% | +241 bps | |
| Share Growth (YoY) | -5.06% | -4.35% | -6.51% | -11.41% | -10.39% | -3.04% | -4.07% | 0.52% | +1,194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.40% | 3.60% | 3.21% | 2.54% | 1.91% | 1.74% | 3.04% | -18 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 | 0.85% | 0.88% | 0.12% | 0.35% | 0.48% | 0.48% | 0.75% | 0.76% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.87% | 6.15% | 6.15% | 6.48% | 6.53% | 6.08% | 5.96% | 5.87% | -62 bps | |
| Net Worth / Assets | 5.87% | 6.15% | 6.15% | 6.48% | 6.53% | 6.08% | 5.96% | 5.87% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.62% | 43.96% | 44.31% | 45.74% | 45.84% | 44.89% | 44.34% | 44.19% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |