Baxter, MN · Charter 20194
NCUA · 12 branches
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
13
Asset Quality
64
Profitability
71
Liquidity
0
Efficiency
57
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.
Baxter, MN · Charter 20194
NCUA · 12 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 | 0.52% | 0.68% | 0.78% | 0.73% | 0.82% | 0.82% | 1.10% | 1.15% | +42 bps | |
| Return on Equity | 5.87% | 7.45% | 8.64% | 7.99% | 9.01% | 8.96% | 11.90% | 12.39% | +440 bps | |
| Net Interest Margin | 3.39% | 3.51% | 3.71% | 3.79% | 3.78% | 3.80% | 3.85% | 3.78% | -2 bps | |
| Efficiency Ratio | 81.86% | 79.97% | 79.00% | 78.99% | 77.63% | 76.67% | 76.58% | 75.82% | -317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 3.77% | 2.82% | 3.90% | 6.05% | 8.31% | 8.17% | 10.16% | +626 bps | |
| Loan Growth (YoY) | 2.63% | 1.08% | 3.81% | 7.65% | 9.09% | 9.38% | 8.79% | 9.17% | +152 bps | |
| Share Growth (YoY) | 4.76% | 3.88% | 2.45% | 3.66% | 3.35% | 5.83% | 7.53% | 9.78% | +612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.55% | 0.37% | 0.41% | 0.37% | 0.41% | 0.39% | 0.43% | +2 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 | 8.79% | 9.08% | 9.06% | 9.14% | 9.15% | 9.18% | 9.25% | 9.30% | +16 bps | |
| Net Worth / Assets | 8.79% | 9.08% | 9.06% | 9.14% | 9.15% | 9.18% | 9.25% | 9.30% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.93% | 91.07% | 90.75% | 92.80% | 93.87% | 94.12% | 91.81% | 92.28% | -51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baxter, MN · Charter 20194 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
1.15%
Rank 448 of 1,683
Net Interest Margin
3.78%
Rank 883 of 1,683
Efficiency Ratio
75.82%
Rank 716 of 1,682
Equity / Assets
9.30%
Rank 1,469 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 448 / 1,683 | ||
| Return on Equity | 12.39% | 2.67% | 5.89% | 8.74% | Beats 93% | 117 / 1,681 | ||
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 883 / 1,683 | ||
| Efficiency Ratio | 75.82% | 68.91% | 78.20% | 86.93% | Beats 57% | 716 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 610 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,469 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,469 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.28% | 52.61% | 69.38% | 83.50% | 90th pctl | 166 / 1,683 | ||
| Loans / Assets | 82.48% | 44.71% | 59.18% | 70.72% | 95th pctl | 89 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||