Wagner, SD · Charter 7067
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.90% | 2.35% | 3.48% | 1.24% | 7.61% | 6.83% | 1.73% | 1.04% | -20 bps | |
| Return on Equity | 37.38% | 22.17% | 30.90% | 10.42% | 47.16% | 40.52% | 10.11% | 5.93% | -449 bps | |
| Net Interest Margin | 4.63% | 4.49% | 4.87% | 5.23% | 4.96% | 4.78% | 5.05% | 5.31% | +8 bps | |
| Efficiency Ratio | 48.29% | 48.58% | 68.36% | 70.33% | 42.64% | 42.78% | 71.91% | 71.76% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.90% | 7.63% | 8.61% | 5.08% | 3.49% | 4.83% | 4.25% | 4.17% | -91 bps | |
| Loan Growth (YoY) | 13.08% | 14.68% | 16.05% | 14.29% | 15.64% | 9.55% | 7.73% | 3.86% | -1,042 bps | |
| Share Growth (YoY) | 7.45% | 8.38% | 8.98% | 4.72% | 0.12% | 4.57% | 4.28% | 4.27% | -46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.66% | 0.58% | 0.13% | 0.34% | 0.94% | 0.95% | 1.12% | +98 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 | 10.44% | 10.58% | 11.28% | 11.91% | 16.13% | 16.85% | 17.15% | 17.52% | +561 bps | |
| Net Worth / Assets | 10.44% | 10.58% | 11.28% | 11.91% | 16.13% | 16.85% | 17.15% | 17.52% | +561 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.80% | 68.14% | 69.22% | 72.87% | 78.31% | 71.38% | 71.51% | 72.59% | -28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |