Bloomington, MN · Charter 21644
NCUA · 1 branch
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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
56
Profitability
85
Liquidity
22
Efficiency
100
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.
Bloomington, MN · Charter 21644
NCUA · 1 branch
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 | 0.49% | 0.71% | 0.72% | 1.58% | 1.34% | +85 bps | |
| Return on Equity | 3.58% | 5.13% | 5.16% | 11.27% | 9.25% | +566 bps | |
| Net Interest Margin | 3.78% | 3.87% | 3.88% | 4.04% | 4.24% | +46 bps | |
| Efficiency Ratio | 79.09% | 73.01% | 72.13% | 64.10% | 65.70% | -1,339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.73% | 9.88% | 5.61% | 4.69% | 1.67% | -1,006 bps | |
| Loan Growth (YoY) | -2.60% | -0.08% | 0.32% | 3.01% | 7.54% | +1,014 bps | |
| Share Growth (YoY) | 12.97% | 10.19% | 5.32% | 4.22% | -0.68% | -1,364 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.61% | 0.87% | 0.64% | 0.56% | -11 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 | 13.57% | 13.84% | 13.86% | 14.02% | 14.46% | +89 bps | |
| Net Worth / Assets | 13.57% | 13.84% | 13.86% | 14.02% | 14.46% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.27% | 83.79% | 84.44% | 83.69% | 88.00% | +672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, MN · Charter 21644 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 1 of 25
Net Interest Margin
4.24%
Rank 6 of 25
Efficiency Ratio
65.74%
Rank 1 of 25
Equity / Assets
14.46%
Rank 8 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | -0.29% | 0.38% | 0.84% | Beats 96% | 1 / 25 | |
| Return on Equity | 9.24% | -1.54% | 3.43% | 5.67% | Beats 84% | 4 / 25 | |
| Net Interest Margin | 4.24% | 3.36% | 3.62% | 4.13% | Beats 76% | 6 / 25 | |
| Efficiency Ratio | 65.74% | 75.76% | 88.22% | 93.38% | Beats 100% | 1 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.29% | 0.62% | 1.02% | Beats 56% | 12 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.46% | 10.07% | 11.51% | 14.55% | Beats 68% | 8 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.46% | 10.07% | 11.51% | 14.55% | Beats 68% | 8 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.99% | 59.49% | 71.17% | 86.44% | 76th pctl | 6 / 25 | |
| Loans / Assets | 74.17% | 53.45% | 61.94% | 76.61% | 68th pctl | 8 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||