Baxter, MN · Charter 20194
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.82% | 0.82% | 1.10% | 1.15% | +42 bps | |
| Return on Equity | 7.99% | 9.01% | 8.96% | 11.90% | 12.39% | +440 bps | |
| Net Interest Margin | 3.79% | 3.78% | 3.80% | 3.85% | 3.78% | -2 bps | |
| Efficiency Ratio | 78.99% | 77.63% | 76.67% | 76.58% | 75.82% | -317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 6.05% | 8.31% | 8.17% | 10.16% | +626 bps | |
| Loan Growth (YoY) | 7.65% | 9.09% | 9.38% | 8.79% | 9.17% | +152 bps | |
| Share Growth (YoY) | 3.66% | 3.35% | 5.83% | 7.53% | 9.78% | +612 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.14% | 9.15% | 9.18% | 9.25% | 9.30% | +16 bps | |
| Net Worth / Assets | 9.14% | 9.15% | 9.18% | 9.25% | 9.30% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |