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 | |