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Owatonna, MN · Charter 21669 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$293.3MAssets
$198.5MLoans
$262.5MShares
$30.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 88% of credit unions under $1B in assets (rank 208 of 1681).
- Widest gap: equity / assets trails 75% of credit unions under $1B in assets (rank 1261 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |