Fort Dodge, IA · Charter 66592
NCUA · 8 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 | 1.77% | 1.41% | 1.45% | 1.29% | 1.61% | 1.53% | 1.74% | 1.69% | +40 bps | |
| Return on Equity | 9.31% | 7.50% | 7.91% | 7.01% | 8.50% | 8.21% | 9.27% | 8.81% | +181 bps | |
| Net Interest Margin | 5.04% | 5.01% | 4.96% | 4.96% | 5.02% | 4.90% | 4.76% | 4.80% | -16 bps | |
| Efficiency Ratio | 62.30% | 66.28% | 65.44% | 65.97% | 63.51% | 64.57% | 64.10% | 64.10% | -187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 3.38% | 4.27% | 5.43% | 7.96% | 9.44% | 6.89% | 5.40% | -2 bps | |
| Loan Growth (YoY) | -7.44% | -7.07% | -3.14% | 1.93% | 5.60% | 4.71% | -0.64% | -4.98% | -691 bps | |
| Share Growth (YoY) | -0.17% | 3.03% | 3.37% | 4.83% | 7.54% | 9.96% | 6.63% | 4.20% | -63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.83% | 0.70% | 0.73% | 0.67% | 0.64% | 0.77% | 0.73% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 18.77% | 18.32% | 18.35% | 18.91% | 18.68% | 18.74% | 19.14% | +80 bps | |
| Net Worth / Assets | 19.01% | 18.77% | 18.32% | 18.35% | 18.91% | 18.68% | 18.74% | 19.14% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.49% | 90.02% | 87.84% | 88.96% | 90.83% | 85.73% | 81.85% | 81.13% | -784 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |