Silver Bay, MN · Charter 18473
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.61% | 0.21% | 0.36% | 0.47% | 0.64% | 0.59% | 0.59% | +24 bps | |
| Return on Equity | 4.20% | 5.00% | 1.72% | 2.94% | 3.89% | 5.07% | 4.59% | 4.66% | +172 bps | |
| Net Interest Margin | 3.38% | 3.44% | 3.33% | 3.53% | 3.60% | 3.76% | 3.97% | 3.94% | +41 bps | |
| Efficiency Ratio | 87.11% | 84.88% | 92.04% | 90.52% | 88.49% | 84.69% | 86.42% | 85.69% | -482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 3.90% | 4.34% | 5.15% | 2.72% | 2.03% | 0.16% | 1.58% | -358 bps | |
| Loan Growth (YoY) | -0.87% | -1.56% | 2.83% | 9.74% | 14.08% | 15.27% | 10.31% | 7.70% | -204 bps | |
| Share Growth (YoY) | 3.98% | 3.86% | 4.33% | 5.37% | 2.23% | 1.27% | -0.64% | 0.85% | -452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.10% | 0.40% | 0.26% | 0.41% | 0.33% | 0.63% | 0.33% | +6 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 | 11.94% | 12.19% | 12.05% | 12.21% | 12.12% | 12.58% | 12.77% | 12.77% | +56 bps | |
| Net Worth / Assets | 11.94% | 12.19% | 12.05% | 12.21% | 12.12% | 12.58% | 12.77% | 12.77% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.62% | 78.77% | 80.07% | 86.03% | 87.73% | 89.67% | 88.89% | 91.87% | +585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |