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 | |