PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid Minnesota

Baxter, MN · Charter 20194

NCUA · 12 branches

Q2 2026

$858.0MAssets
$707.7MLoans
$766.9MShares
$79.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, up 42 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.43% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.30%, up 16 bps from a year ago.
  • Funding: loans stand at 92.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%+42 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-2 bps YoY

Efficiency Ratio (quarter, annualized)

75.82%-317 bps YoY

Net Worth / Assets

9.30%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.82%1.10%1.15%+42 bps
Return on Equity7.99%9.01%8.96%11.90%12.39%+440 bps
Net Interest Margin3.79%3.78%3.80%3.85%3.78%-2 bps
Efficiency Ratio78.99%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 / Loans0.41%0.37%0.41%0.39%0.43%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.14%9.15%9.18%9.25%9.30%+16 bps
Net Worth / Assets9.14%9.15%9.18%9.25%9.30%+16 bps
Liquidity & Funding
Loans / Shares92.80%93.87%94.12%91.81%92.28%-51 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps