Guernsey, WY · Charter 9501
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 | 2.13% | 1.99% | 1.44% | 1.62% | 1.88% | 1.98% | 1.71% | 1.33% | -30 bps | |
| Return on Equity | 11.45% | 10.52% | 7.34% | 8.22% | 9.38% | 9.64% | 8.08% | 6.22% | -200 bps | |
| Net Interest Margin | 6.70% | 6.61% | 6.44% | 6.57% | 6.29% | 6.48% | 6.50% | 5.87% | -70 bps | |
| Efficiency Ratio | 71.54% | 73.00% | 80.58% | 77.93% | 74.36% | 73.63% | 76.22% | 80.46% | +253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.02% | -2.09% | -3.93% | -1.42% | 1.59% | 2.02% | 2.71% | 1.60% | +301 bps | |
| Loan Growth (YoY) | 3.71% | 3.19% | 1.95% | -10.17% | -1.68% | -3.28% | -4.80% | 5.67% | +1,584 bps | |
| Share Growth (YoY) | -8.10% | -4.68% | -6.80% | -3.73% | -0.29% | -0.01% | 0.72% | -0.33% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.45% | 17.22% | 12.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.85% | 2.77% | 2.86% | 3.10% | 2.90% | 2.87% | 3.00% | 2.94% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.57% | 18.94% | 19.57% | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Net Worth / Assets | 18.57% | 18.94% | 19.57% | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.48% | 108.68% | 107.84% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |