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 | |