Guernsey, WY · Charter 9501
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 1.88% | 1.98% | 1.71% | 1.33% | -30 bps | |
| Return on Equity | 8.22% | 9.38% | 9.64% | 8.08% | 6.22% | -200 bps | |
| Net Interest Margin | 6.57% | 6.29% | 6.48% | 6.50% | 5.87% | -70 bps | |
| Efficiency Ratio | 77.93% | 74.36% | 73.63% | 76.22% | 80.46% | +253 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.42% | 1.59% | 2.02% | 2.71% | 1.60% | +301 bps | |
| Loan Growth (YoY) | -10.17% | -1.68% | -3.28% | -4.80% | 5.67% | +1,584 bps | |
| Share Growth (YoY) | -3.73% | -0.29% | -0.01% | 0.72% | -0.33% | +339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.47% | 23.88% | 14.20% | 13.57% | 19.81% | +434 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.10% | 2.90% | 2.87% | 3.00% | 2.94% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Net Worth / Assets | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.14% | 104.01% | 105.12% | 101.92% | 104.06% | +591 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |