PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Iron County Community

Hurley, WI · Charter 66503

NCUA · 2 branches

Q2 2026

$47.4MAssets
$32.1MLoans
$37.6MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 3.01%, up 169 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 2.00% of loans (+9 bps YoY).
  • Capital: net worth / assets of 18.58%, up 137 bps from a year ago.
  • Funding: loans stand at 85.43% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

3.01%+169 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+4 bps YoY

Efficiency Ratio (YTD, annualized)

58.85%-106 bps YoY

Net Worth / Assets

18.58%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.63%2.66%1.68%1.33%1.37%1.38%2.73%3.01%+169 bps
Return on Equity15.74%15.33%9.81%7.70%7.70%7.73%15.45%16.20%+850 bps
Net Interest Margin5.03%4.85%4.86%4.76%4.94%4.76%4.76%4.81%+4 bps
Efficiency Ratio53.11%53.33%57.88%59.91%57.92%58.76%61.02%58.85%-106 bps
Growth
Asset Growth (YoY)1.83%4.72%10.33%8.92%3.66%4.96%6.32%4.22%-470 bps
Loan Growth (YoY)17.35%11.63%7.77%4.31%3.79%0.69%1.16%0.21%-410 bps
Share Growth (YoY)-0.84%3.04%9.44%8.45%2.77%4.88%4.53%1.44%-701 bps
Asset Quality
Delinquent Loans / Loans0.55%0.69%1.89%1.91%1.24%0.83%1.16%2.00%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.69%17.36%17.10%17.21%17.77%17.90%17.66%18.58%+137 bps
Net Worth / Assets16.69%17.36%17.10%17.21%17.77%17.90%17.66%18.58%+137 bps
Liquidity & Funding
Loans / Shares88.75%89.51%85.06%86.48%89.63%85.94%82.31%85.43%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps