Rapid City, SD · Charter 8039
NCUA · 2 branches
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
10
Asset Quality
36
Profitability
80
Liquidity
86
Efficiency
53
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 8039
NCUA · 2 branches
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 | 0.55% | 0.57% | 0.65% | 0.98% | 1.12% | 1.17% | 1.07% | 1.17% | +18 bps | |
| Return on Equity | 6.97% | 7.02% | 7.99% | 11.58% | 12.91% | 13.38% | 12.76% | 12.95% | +137 bps | |
| Net Interest Margin | 3.92% | 4.11% | 4.14% | 4.31% | 4.30% | 4.21% | 4.00% | 4.22% | -9 bps | |
| Efficiency Ratio | 83.40% | 83.53% | 84.88% | 80.15% | 77.62% | 76.08% | 77.86% | 77.26% | -289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.75% | 1.25% | 5.87% | 4.96% | 3.12% | 8.07% | 12.28% | 9.48% | +452 bps | |
| Loan Growth (YoY) | 10.47% | 7.37% | 11.68% | 12.46% | 8.27% | 7.73% | 5.21% | 9.88% | -258 bps | |
| Share Growth (YoY) | 6.97% | 0.50% | 5.92% | 4.38% | 1.61% | 7.19% | 12.23% | 8.76% | +438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.78% | 1.07% | 1.00% | 1.02% | 1.11% | 0.67% | 0.93% | -7 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 | 7.94% | 8.19% | 8.09% | 8.50% | 8.66% | 8.72% | 8.40% | 9.00% | +50 bps | |
| Net Worth / Assets | 7.94% | 8.19% | 8.09% | 8.50% | 8.66% | 8.72% | 8.40% | 9.00% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.55% | 69.45% | 69.37% | 71.83% | 71.98% | 69.80% | 65.03% | 72.57% | +74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rapid City, SD · Charter 8039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 428 of 1,683
Net Interest Margin
4.22%
Rank 493 of 1,683
Efficiency Ratio
77.30%
Rank 793 of 1,682
Equity / Assets
9.00%
Rank 1,507 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 428 / 1,683 | ||
| Return on Equity | 12.97% | 2.67% | 5.89% | 8.74% | Beats 95% | 90 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 493 / 1,683 | ||
| Efficiency Ratio | 77.30% | 68.91% | 78.20% | 86.93% | Beats 53% | 793 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,073 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,507 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,507 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.57% | 52.61% | 69.38% | 83.50% | 56th pctl | 741 / 1,683 | ||
| Loans / Assets | 65.32% | 44.71% | 59.18% | 70.72% | 63rd pctl | 621 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||