Owatonna, MN · Charter 21669
NCUA · 4 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
54
Profitability
74
Liquidity
72
Efficiency
72
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.
Owatonna, MN · Charter 21669
NCUA · 4 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 | 0.09% | 0.12% | 0.58% | 1.81% | 1.45% | 1.33% | 0.94% | 1.15% | -66 bps | |
| Return on Equity | 0.93% | 1.24% | 6.41% | 18.15% | 14.41% | 13.11% | 9.40% | 10.96% | -719 bps | |
| Net Interest Margin | 3.23% | 3.31% | 3.44% | 3.66% | 3.70% | 3.70% | 3.93% | 4.01% | +35 bps | |
| Efficiency Ratio | 79.77% | 79.33% | 75.83% | 59.62% | 63.02% | 65.09% | 72.21% | 70.47% | +1,085 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | -1.45% | 1.00% | 0.80% | 3.74% | 6.34% | 4.75% | 5.30% | +449 bps | |
| Loan Growth (YoY) | 1.98% | -0.41% | -5.95% | -10.64% | -9.23% | -6.74% | -1.15% | 4.37% | +1,501 bps | |
| Share Growth (YoY) | 1.15% | 1.89% | 3.31% | 2.46% | 3.82% | 4.60% | 3.29% | 4.51% | +204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.92% | 0.83% | 0.67% | 0.49% | 0.62% | 0.61% | 0.58% | -9 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 | 9.28% | 9.39% | 9.09% | 9.96% | 10.07% | 10.14% | 10.05% | 10.46% | +50 bps | |
| Net Worth / Assets | 9.28% | 9.39% | 9.09% | 9.96% | 10.07% | 10.14% | 10.05% | 10.46% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.89% | 83.47% | 77.00% | 75.73% | 74.22% | 74.41% | 73.69% | 75.63% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Owatonna, MN · Charter 21669 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.15%
Rank 457 of 1,683
Net Interest Margin
4.01%
Rank 660 of 1,683
Efficiency Ratio
70.46%
Rank 478 of 1,682
Equity / Assets
10.46%
Rank 1,261 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 457 / 1,683 | ||
| Return on Equity | 10.96% | 2.67% | 5.89% | 8.74% | Beats 88% | 208 / 1,681 | ||
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 660 / 1,683 | ||
| Efficiency Ratio | 70.46% | 68.91% | 78.20% | 86.93% | Beats 72% | 478 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 769 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.46% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,261 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.46% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,261 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.63% | 52.61% | 69.38% | 83.50% | 61st pctl | 659 / 1,683 | ||
| Loans / Assets | 67.69% | 44.71% | 59.18% | 70.72% | 68th pctl | 533 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||