Ottumwa, IA · Charter 68510
NCUA · 24 branches
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 | 0.88% | 0.84% | 0.50% | 0.16% | 0.43% | 0.48% | 0.33% | 0.31% | +15 bps | |
| Return on Equity | 8.45% | 7.98% | 4.83% | 1.54% | 4.02% | 4.52% | 3.17% | 2.94% | +139 bps | |
| Net Interest Margin | 4.05% | 4.00% | 3.96% | 4.05% | 4.17% | 4.14% | 4.02% | 4.01% | -3 bps | |
| Efficiency Ratio | 74.93% | 76.48% | 82.98% | 82.46% | 80.14% | 79.10% | 77.16% | 78.81% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 6.93% | 5.66% | 7.26% | 2.82% | 2.53% | 3.24% | 4.89% | -237 bps | |
| Loan Growth (YoY) | 10.24% | 13.07% | 13.20% | 9.94% | 6.28% | 3.47% | 2.40% | 1.45% | -848 bps | |
| Share Growth (YoY) | 5.58% | 6.94% | 5.39% | 7.57% | 2.68% | 1.96% | 3.08% | 4.96% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.49% | 1.60% | 2.77% | 2.93% | 3.52% | 3.27% | 3.14% | +37 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 | 10.42% | 10.50% | 10.39% | 10.44% | 10.79% | 10.73% | 10.49% | 10.50% | +6 bps | |
| Net Worth / Assets | 10.42% | 10.50% | 10.39% | 10.44% | 10.79% | 10.73% | 10.49% | 10.50% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.63% | 95.36% | 94.09% | 96.63% | 97.95% | 96.77% | 93.47% | 93.40% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |