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 | |