Rapid City, SD · Charter 7021
NCUA · 1 branch
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
21
Asset Quality
100
Profitability
39
Liquidity
78
Efficiency
9
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.
Rapid City, SD · Charter 7021
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.90% | 0.53% | 0.50% | 0.15% | -81 bps | |
| Return on Equity | 9.48% | 8.76% | 5.04% | 4.95% | 1.48% | -800 bps | |
| Net Interest Margin | 5.35% | 5.35% | 5.54% | 4.91% | 4.70% | -65 bps | |
| Efficiency Ratio | 83.53% | 84.51% | 91.23% | 90.68% | 97.12% | +1,359 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.74% | -2.94% | -8.44% | -4.63% | 1.17% | +790 bps | |
| Loan Growth (YoY) | 3.47% | 9.05% | 5.19% | 0.36% | 0.43% | -304 bps | |
| Share Growth (YoY) | -8.04% | -3.89% | -10.05% | -5.68% | 1.04% | +908 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.11% | 0.04% | 0.06% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 10.26% | 10.44% | 10.17% | 10.07% | -1 bps | |
| Net Worth / Assets | 10.08% | 10.26% | 10.44% | 10.17% | 10.07% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.96% | 65.88% | 66.46% | 62.28% | 62.58% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rapid City, SD · Charter 7021 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 1,419 of 1,683
Net Interest Margin
4.71%
Rank 249 of 1,683
Efficiency Ratio
97.22%
Rank 1,534 of 1,682
Equity / Assets
10.07%
Rank 1,327 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,419 / 1,683 | |
| Return on Equity | 1.43% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,390 / 1,681 | |
| Net Interest Margin | 4.71% | 3.31% | 3.82% | 4.32% | Beats 85% | 249 / 1,683 | |
| Efficiency Ratio | 97.22% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,534 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,327 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,327 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.58% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,031 / 1,683 | |
| Loans / Assets | 56.00% | 44.71% | 59.18% | 70.72% | 43rd pctl | 955 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||