Waterloo, IA · Charter 67831
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 0.99% | -1.37% | -0.46% | 0.06% | 0.00% | 0.86% | 0.52% | +98 bps | |
| Return on Equity | 9.03% | 4.97% | -7.57% | -2.50% | 0.30% | 0.01% | 4.53% | 2.80% | +530 bps | |
| Net Interest Margin | 5.83% | 6.18% | 5.49% | 5.41% | 5.37% | 5.59% | 5.10% | 5.03% | -38 bps | |
| Efficiency Ratio | 74.39% | 86.19% | 121.99% | 107.50% | 99.08% | 91.82% | 83.42% | 82.40% | -2,510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -6.92% | -1.92% | -1.86% | 1.62% | 3.89% | -2.20% | 1.17% | +304 bps | |
| Loan Growth (YoY) | -3.27% | -9.70% | -3.14% | -8.89% | -9.84% | -8.81% | -9.85% | -6.96% | +193 bps | |
| Share Growth (YoY) | -5.16% | -9.51% | -6.91% | -0.91% | 2.60% | 5.46% | 1.62% | -0.14% | +77 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 3.42% | 1.76% | 1.64% | 1.70% | 1.09% | 2.54% | 1.18% | -47 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 | 0.73% | 0.74% | 0.45% | 0.46% | 0.38% | 0.40% | 0.44% | 0.41% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.98% | 19.83% | 18.12% | 18.26% | 18.37% | 19.09% | 19.10% | 18.54% | +28 bps | |
| Net Worth / Assets | 18.98% | 19.83% | 18.12% | 18.26% | 18.37% | 19.09% | 19.10% | 18.54% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.83% | 78.40% | 76.55% | 70.07% | 68.39% | 67.79% | 67.91% | 65.28% | -479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |