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 | |