Huron, SD · Charter 7020
NCUA · 1 branch
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 | 0.70% | 0.71% | 0.72% | 1.29% | 1.36% | 1.30% | 1.27% | 1.17% | -12 bps | |
| Return on Equity | 5.93% | 6.06% | 6.17% | 10.61% | 10.69% | 9.99% | 9.31% | 8.26% | -236 bps | |
| Net Interest Margin | 2.63% | 2.58% | 2.74% | 3.25% | 3.33% | 3.31% | 3.36% | 3.48% | +23 bps | |
| Efficiency Ratio | 76.13% | 75.46% | 77.19% | 64.73% | 63.61% | 65.17% | 65.36% | 63.19% | -153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.84% | 4.21% | 0.24% | 1.77% | 2.75% | -0.05% | -4.88% | -5.72% | -748 bps | |
| Loan Growth (YoY) | -5.67% | 0.79% | -0.08% | -0.40% | 1.91% | -0.34% | -0.94% | -0.17% | +24 bps | |
| Share Growth (YoY) | 2.34% | 3.85% | -0.83% | 0.80% | 1.50% | -1.73% | -7.01% | -7.87% | -867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.38% | 0.36% | 0.35% | 0.17% | 0.06% | 0.25% | 0.30% | -5 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 | 11.86% | 11.73% | 11.62% | 12.13% | 12.76% | 13.04% | 13.68% | 14.12% | +199 bps | |
| Net Worth / Assets | 11.86% | 11.73% | 11.62% | 12.13% | 12.76% | 13.04% | 13.68% | 14.12% | +199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.32% | 59.91% | 58.19% | 57.69% | 60.56% | 60.76% | 61.98% | 62.51% | +483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |