Robbinsdale, MN · Charter 16248
NCUA · 2 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 | 0.93% | 0.74% | 1.70% | 1.53% | 1.26% | 0.79% | 1.04% | 1.04% | -48 bps | |
| Return on Equity | 8.84% | 6.95% | 15.71% | 13.32% | 10.94% | 6.92% | 9.02% | 8.82% | -450 bps | |
| Net Interest Margin | 4.56% | 4.66% | 4.78% | 4.94% | 4.91% | 4.92% | 4.72% | 4.73% | -21 bps | |
| Efficiency Ratio | 77.79% | 82.97% | 68.24% | 69.29% | 72.09% | 81.32% | 80.93% | 80.88% | +1,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | 0.65% | -2.23% | 0.34% | -0.27% | 0.13% | -0.83% | 1.52% | +118 bps | |
| Loan Growth (YoY) | -5.08% | -8.20% | -4.50% | -3.24% | -3.73% | -6.08% | -8.05% | -4.25% | -101 bps | |
| Share Growth (YoY) | -1.71% | -0.16% | -3.21% | -0.36% | -0.74% | -0.52% | -1.68% | 0.60% | +96 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.62% | 0.80% | 1.03% | 1.10% | 0.82% | 0.67% | 0.68% | -35 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 | 10.51% | 10.59% | 10.84% | 11.46% | 11.52% | 11.37% | 11.55% | 11.84% | +38 bps | |
| Net Worth / Assets | 10.51% | 10.59% | 10.84% | 11.46% | 11.52% | 11.37% | 11.55% | 11.84% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.27% | 71.23% | 71.18% | 72.45% | 70.09% | 67.25% | 66.57% | 68.95% | -349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |