Eddyville, NE · Charter 66274
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
100
Profitability
54
Liquidity
0
Efficiency
39
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Eddyville, NE · Charter 66274
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 | 1.56% | 1.26% | 2.17% | 0.84% | 0.67% | 0.11% | 2.93% | 0.77% | -7 bps | |
| Return on Equity | 6.79% | 5.41% | 10.13% | 3.82% | 2.96% | 0.47% | 13.44% | 4.21% | +39 bps | |
| Net Interest Margin | 6.43% | 7.00% | 6.81% | 5.57% | 5.58% | 6.10% | 7.17% | 4.39% | -118 bps | |
| Efficiency Ratio | 75.42% | 81.50% | 67.82% | 84.09% | 87.44% | 97.19% | 61.19% | 82.24% | -184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | -2.19% | -0.84% | 4.73% | 4.81% | 3.22% | -0.12% | 20.94% | +1,622 bps | |
| Loan Growth (YoY) | -1.32% | -22.72% | -16.55% | -12.66% | -18.48% | 14.83% | -6.94% | -9.72% | +294 bps | |
| Share Growth (YoY) | 0.22% | -3.56% | -2.48% | 10.23% | 4.37% | 2.65% | -1.09% | 27.10% | +1,688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.82% | 5.00% | 0.00% | 0.00% | 6.60% | 0.00% | 0.00% | 0.00% | 0 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 | 3.33% | 4.08% | 4.24% | 3.90% | 4.27% | 3.71% | 4.74% | 4.50% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.96% | 23.29% | 21.47% | 21.96% | 22.48% | 22.67% | 21.78% | 18.28% | -368 bps | |
| Net Worth / Assets | 22.96% | 23.29% | 21.47% | 21.96% | 22.48% | 22.67% | 21.78% | 18.28% | -368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.48% | 55.07% | 46.83% | 53.38% | 51.14% | 61.60% | 44.06% | 37.92% | -1,547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eddyville, NE · Charter 66274 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.74%
Rank 839 of 1,683
Net Interest Margin
4.35%
Rank 399 of 1,683
Efficiency Ratio
82.00%
Rank 1,035 of 1,682
Equity / Assets
18.30%
Rank 317 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 839 / 1,683 | ||
| Return on Equity | 4.05% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,084 / 1,681 | ||
| Net Interest Margin | 4.35% | 3.31% | 3.82% | 4.32% | Beats 76% | 399 / 1,683 | ||
| Efficiency Ratio | 82.00% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,035 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.30% | 10.44% | 12.89% | 16.53% | Beats 81% | 317 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.30% | 10.44% | 12.89% | 16.53% | Beats 81% | 317 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.95% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,519 / 1,683 | ||
| Loans / Assets | 30.85% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,537 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||