Huron, SD · Charter 9907
NCUA · 1 branch
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
78
Asset Quality
28
Profitability
90
Liquidity
23
Efficiency
77
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.
Huron, SD · Charter 9907
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 | 1.38% | 1.52% | 1.95% | 1.90% | 1.85% | 1.73% | 1.86% | 1.78% | -12 bps | |
| Return on Equity | 9.11% | 10.07% | 12.70% | 12.09% | 11.44% | 10.54% | 11.21% | 10.20% | -188 bps | |
| Net Interest Margin | 4.73% | 4.74% | 5.22% | 5.22% | 5.30% | 5.26% | 5.35% | 5.25% | +3 bps | |
| Efficiency Ratio | 72.72% | 70.26% | 65.11% | 65.89% | 67.23% | 69.34% | 66.82% | 67.93% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.96% | 12.76% | 4.49% | 5.20% | 6.91% | 2.83% | 3.39% | 0.07% | -512 bps | |
| Loan Growth (YoY) | 7.37% | 10.02% | 9.99% | 5.34% | 6.06% | 5.46% | -2.42% | -5.56% | -1,089 bps | |
| Share Growth (YoY) | 10.05% | 13.08% | 3.12% | 3.88% | 5.82% | 1.19% | 1.92% | -1.94% | -583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.04% | 0.00% | 0.00% | 0.00% | 0.02% | 1.24% | 1.17% | +117 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 | 2.44% | 2.59% | 2.52% | 2.48% | 2.56% | 2.60% | 2.74% | 2.73% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.21% | 15.08% | 15.38% | 15.74% | 16.14% | 16.39% | 16.56% | 17.44% | +169 bps | |
| Net Worth / Assets | 15.21% | 15.08% | 15.38% | 15.74% | 16.14% | 16.39% | 16.56% | 17.44% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.18% | 85.91% | 87.32% | 90.27% | 89.38% | 89.54% | 83.60% | 86.95% | -333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huron, SD · Charter 9907 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.79%
Rank 134 of 1,683
Net Interest Margin
5.25%
Rank 104 of 1,683
Efficiency Ratio
67.83%
Rank 390 of 1,682
Equity / Assets
17.44%
Rank 365 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.79% | 0.35% | 0.74% | 1.18% | Beats 92% | 134 / 1,683 | ||
| Return on Equity | 10.27% | 2.67% | 5.89% | 8.74% | Beats 84% | 261 / 1,681 | ||
| Net Interest Margin | 5.25% | 3.31% | 3.82% | 4.32% | Beats 94% | 104 / 1,683 | ||
| Efficiency Ratio | 67.83% | 68.91% | 78.20% | 86.93% | Beats 77% | 390 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,213 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 365 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 365 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.94% | 52.61% | 69.38% | 83.50% | 81st pctl | 322 / 1,683 | ||
| Loans / Assets | 71.66% | 44.71% | 59.18% | 70.72% | 77th pctl | 389 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||