Sisseton, SD · Charter 6992
NCUA · 2 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
20
Asset Quality
14
Profitability
59
Liquidity
63
Efficiency
28
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.
Sisseton, SD · Charter 6992
NCUA · 2 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% | 0.64% | 0.64% | 0.91% | 0.93% | 1.08% | 0.44% | 0.67% | -25 bps | |
| Return on Equity | 6.28% | 6.90% | 7.07% | 9.85% | 9.69% | 10.50% | 4.48% | 6.70% | -315 bps | |
| Net Interest Margin | 3.63% | 3.38% | 3.59% | 3.59% | 3.72% | 4.09% | 4.03% | 4.31% | +71 bps | |
| Efficiency Ratio | 81.35% | 81.12% | 85.15% | 81.10% | 81.63% | 79.26% | 90.21% | 85.75% | +465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | 3.61% | 4.95% | 11.07% | 13.25% | 0.35% | 3.34% | 2.10% | -897 bps | |
| Loan Growth (YoY) | 9.92% | 12.62% | 8.77% | 1.77% | -3.48% | -2.27% | 2.65% | 1.05% | -72 bps | |
| Share Growth (YoY) | -1.54% | 4.51% | 4.14% | 11.34% | 13.17% | -0.76% | 4.58% | 2.72% | -862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.41% | 0.81% | 0.25% | 0.62% | 0.42% | 0.44% | 1.98% | +173 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 | 9.79% | 9.25% | 9.08% | 9.29% | 9.54% | 10.30% | 9.73% | 9.99% | +69 bps | |
| Net Worth / Assets | 9.79% | 9.25% | 9.08% | 9.29% | 9.54% | 10.30% | 9.73% | 9.99% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.45% | 62.53% | 59.49% | 59.08% | 58.38% | 61.58% | 58.39% | 58.12% | -96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sisseton, SD · Charter 6992 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.67%
Rank 923 of 1,683
Net Interest Margin
4.30%
Rank 430 of 1,683
Efficiency Ratio
85.74%
Rank 1,211 of 1,682
Equity / Assets
9.98%
Rank 1,348 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 923 / 1,683 | ||
| Return on Equity | 6.70% | 2.67% | 5.89% | 8.74% | Beats 58% | 709 / 1,681 | ||
| Net Interest Margin | 4.30% | 3.31% | 3.82% | 4.32% | Beats 74% | 430 / 1,683 | ||
| Efficiency Ratio | 85.74% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,211 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.98% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,446 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,348 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,348 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.12% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,141 / 1,683 | ||
| Loans / Assets | 53.57% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,012 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||