Hemingford, NE · Charter 7210
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 | 0.93% | 0.62% | 0.50% | 0.56% | 0.57% | 0.32% | 0.53% | 0.63% | +7 bps | |
| Return on Equity | 8.47% | 5.95% | 4.94% | 5.30% | 5.18% | 2.91% | 5.34% | 6.20% | +90 bps | |
| Net Interest Margin | 4.04% | 3.75% | 3.57% | 3.75% | 3.97% | 3.90% | 4.02% | 4.05% | +30 bps | |
| Efficiency Ratio | 76.24% | 82.77% | 86.42% | 86.01% | 86.18% | 90.89% | 84.08% | 83.59% | -242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | 6.80% | 7.04% | 7.10% | 2.96% | -1.49% | 4.29% | 8.31% | +121 bps | |
| Loan Growth (YoY) | 6.64% | 8.93% | 8.76% | 7.91% | 9.45% | 10.86% | 9.05% | 3.24% | -466 bps | |
| Share Growth (YoY) | -5.50% | 6.64% | 7.21% | 7.18% | 2.78% | -2.01% | 4.52% | 8.93% | +175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.36% | 0.01% | 0.36% | 0.52% | 0.49% | 0.55% | +55 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 | 1.30% | 1.26% | 1.26% | 1.20% | 1.23% | 1.25% | 1.32% | 1.30% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.94% | 10.42% | 10.11% | 10.62% | 11.01% | 10.89% | 10.00% | 10.14% | -47 bps | |
| Net Worth / Assets | 10.94% | 10.42% | 10.11% | 10.62% | 11.01% | 10.89% | 10.00% | 10.14% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.66% | 69.43% | 67.19% | 73.08% | 75.24% | 78.55% | 70.10% | 69.27% | -381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |