PackageTrendsPeer
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Stagepoint

Laramie, WY · Charter 687

NCUA · 1 branch

Q2 2026

$131.0MAssets
$111.3MLoans
$119.6MShares
$11.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 47 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.14% of loans (-13 bps YoY).
  • Capital: net worth / assets of 8.49%, down 16 bps from a year ago.
  • Funding: loans stand at 93.05% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%-47 bps YoY

Net Interest Margin (quarter, annualized)

4.70%-36 bps YoY

Efficiency Ratio (quarter, annualized)

73.06%+471 bps YoY

Net Worth / Assets

8.49%-16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.87%0.89%0.80%0.55%-47 bps
Return on Equity11.81%10.51%10.70%9.30%6.49%-532 bps
Net Interest Margin5.06%4.75%4.69%4.74%4.70%-36 bps
Efficiency Ratio68.35%68.04%68.62%75.24%73.06%+471 bps
Growth
Asset Growth (YoY)50.60%51.40%13.22%7.85%10.95%-3,965 bps
Loan Growth (YoY)43.61%47.08%18.63%17.16%14.36%-2,925 bps
Share Growth (YoY)52.44%52.50%15.02%8.33%10.42%-4,202 bps
Asset Quality
Delinquent Loans / Loans0.26%0.17%0.24%0.40%0.14%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.65%8.25%8.32%8.55%8.49%-16 bps
Net Worth / Assets8.65%8.25%8.32%8.55%8.49%-16 bps
Liquidity & Funding
Loans / Shares89.85%88.30%88.83%91.63%93.05%+320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps