Sturgis, SD · Charter 6986
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
73
Profitability
59
Liquidity
0
Efficiency
63
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sturgis, SD · Charter 6986
NCUA · 5 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 | 0.61% | 0.72% | 0.91% | 1.04% | 1.12% | 1.10% | 0.84% | 0.79% | -25 bps | |
| Return on Equity | 6.19% | 7.16% | 9.00% | 10.37% | 10.90% | 10.95% | 8.64% | 8.29% | -208 bps | |
| Net Interest Margin | 3.68% | 3.74% | 3.96% | 3.94% | 4.00% | 3.83% | 3.86% | 3.85% | -9 bps | |
| Efficiency Ratio | 79.10% | 76.82% | 79.16% | 74.72% | 72.06% | 71.80% | 74.23% | 73.77% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.88% | 9.67% | 7.34% | 9.13% | 7.62% | 11.95% | 15.92% | 16.75% | +761 bps | |
| Loan Growth (YoY) | 17.16% | 15.02% | 13.53% | 10.77% | 9.91% | 15.01% | 21.83% | 26.92% | +1,615 bps | |
| Share Growth (YoY) | 13.36% | 13.17% | 14.62% | 13.43% | 9.28% | 17.82% | 17.55% | 20.34% | +691 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.62% | 0.48% | 0.53% | 0.46% | 0.45% | 0.40% | 0.29% | -23 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 | 9.89% | 10.04% | 10.10% | 10.06% | 10.28% | 10.07% | 9.77% | 9.57% | -49 bps | |
| Net Worth / Assets | 9.89% | 10.04% | 10.10% | 10.06% | 10.28% | 10.07% | 9.77% | 9.57% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.51% | 93.23% | 88.65% | 89.48% | 92.04% | 91.00% | 91.88% | 94.38% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sturgis, SD · Charter 6986 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.79%
Rank 788 of 1,683
Net Interest Margin
3.85%
Rank 815 of 1,683
Efficiency Ratio
73.76%
Rank 627 of 1,682
Equity / Assets
9.57%
Rank 1,415 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 788 / 1,683 | ||
| Return on Equity | 8.29% | 2.67% | 5.89% | 8.74% | Beats 72% | 472 / 1,681 | ||
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 52% | 815 / 1,683 | ||
| Efficiency Ratio | 73.76% | 68.91% | 78.20% | 86.93% | Beats 63% | 627 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 461 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,415 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,415 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.38% | 52.61% | 69.38% | 83.50% | 93rd pctl | 124 / 1,683 | ||
| Loans / Assets | 84.38% | 44.71% | 59.18% | 70.72% | 97th pctl | 52 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||