Bloomington, MN · Charter 21644
NCUA · 1 branch
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 | 1.04% | 0.90% | 0.79% | 0.49% | 0.71% | 0.72% | 1.58% | 1.34% | +85 bps | |
| Return on Equity | 7.19% | 6.49% | 5.71% | 3.58% | 5.13% | 5.16% | 11.27% | 9.25% | +566 bps | |
| Net Interest Margin | 3.84% | 3.72% | 3.77% | 3.78% | 3.87% | 3.88% | 4.04% | 4.24% | +46 bps | |
| Efficiency Ratio | 73.48% | 72.83% | 76.47% | 79.09% | 73.01% | 72.13% | 64.10% | 65.70% | -1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | 7.00% | 8.46% | 11.73% | 9.88% | 5.61% | 4.69% | 1.67% | -1,006 bps | |
| Loan Growth (YoY) | -4.14% | -0.90% | -1.24% | -2.60% | -0.08% | 0.32% | 3.01% | 7.54% | +1,014 bps | |
| Share Growth (YoY) | 5.38% | 7.00% | 8.68% | 12.97% | 10.19% | 5.32% | 4.22% | -0.68% | -1,364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.60% | 0.52% | 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 | 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 | 14.49% | 13.91% | 13.76% | 13.57% | 13.84% | 13.86% | 14.02% | 14.46% | +89 bps | |
| Net Worth / Assets | 14.49% | 13.91% | 13.76% | 13.57% | 13.84% | 13.86% | 14.02% | 14.46% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.40% | 88.64% | 84.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |