Casper, WY · Charter 9148
NCUA · 3 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 | 0.98% | 0.89% | 1.31% | 1.00% | 1.81% | 1.64% | 0.88% | 1.13% | +13 bps | |
| Return on Equity | 10.47% | 9.87% | 14.31% | 10.05% | 17.03% | 14.77% | 7.99% | 9.79% | -26 bps | |
| Net Interest Margin | 4.05% | 3.86% | 3.70% | 3.85% | 4.10% | 4.25% | 4.24% | 4.28% | +42 bps | |
| Efficiency Ratio | 81.51% | 82.91% | 76.63% | 73.70% | 70.68% | 73.30% | 84.45% | 81.08% | +738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.24% | 4.55% | 4.63% | 2.95% | 3.32% | -4.27% | -2.73% | -2.16% | -511 bps | |
| Loan Growth (YoY) | -6.33% | -5.72% | -5.51% | -8.37% | -8.87% | -9.50% | -8.97% | -9.38% | -101 bps | |
| Share Growth (YoY) | -1.21% | 4.08% | 4.33% | 1.89% | 1.67% | -6.55% | -4.42% | -3.87% | -576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.27% | 0.34% | 0.66% | 1.01% | 0.35% | 0.65% | 0.64% | -1 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 | 9.39% | 9.06% | 9.14% | 9.93% | 10.65% | 11.10% | 10.97% | 11.55% | +161 bps | |
| Net Worth / Assets | 9.39% | 9.06% | 9.14% | 9.93% | 10.65% | 11.10% | 10.97% | 11.55% | +161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.97% | 75.71% | 72.72% | 72.15% | 72.57% | 73.32% | 69.26% | 68.02% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |