Rapid City, SD · Charter 7021
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 | 0.58% | 0.31% | 1.14% | 0.96% | 0.90% | 0.53% | 0.50% | 0.15% | -81 bps | |
| Return on Equity | 6.16% | 3.47% | 12.19% | 9.48% | 8.76% | 5.04% | 4.95% | 1.48% | -800 bps | |
| Net Interest Margin | 4.71% | 4.67% | 5.23% | 5.35% | 5.35% | 5.54% | 4.91% | 4.70% | -65 bps | |
| Efficiency Ratio | 87.86% | 93.16% | 79.68% | 83.53% | 84.51% | 91.23% | 90.68% | 97.12% | +1,359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.96% | -4.74% | -7.65% | -6.74% | -2.94% | -8.44% | -4.63% | 1.17% | +790 bps | |
| Loan Growth (YoY) | -0.88% | -0.36% | 0.13% | 3.47% | 9.05% | 5.19% | 0.36% | 0.43% | -304 bps | |
| Share Growth (YoY) | -8.66% | -5.77% | -8.95% | -8.04% | -3.89% | -10.05% | -5.68% | 1.04% | +908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.08% | 0.12% | 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 | 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 | 9.36% | 9.02% | 9.39% | 10.08% | 10.26% | 10.44% | 10.17% | 10.07% | -1 bps | |
| Net Worth / Assets | 9.36% | 9.02% | 9.39% | 10.08% | 10.26% | 10.44% | 10.17% | 10.07% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.06% | 56.83% | 58.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |