Rapid City, SD · Charter 8039
NCUA · 2 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 | 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 | |