Owatonna, MN · Charter 21669
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.45% | 1.33% | 0.94% | 1.15% | -66 bps | |
| Return on Equity | 18.15% | 14.41% | 13.11% | 9.40% | 10.96% | -719 bps | |
| Net Interest Margin | 3.66% | 3.70% | 3.70% | 3.93% | 4.01% | +35 bps | |
| Efficiency Ratio | 59.62% | 63.02% | 65.09% | 72.21% | 70.47% | +1,085 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | 3.74% | 6.34% | 4.75% | 5.30% | +449 bps | |
| Loan Growth (YoY) | -10.64% | -9.23% | -6.74% | -1.15% | 4.37% | +1,501 bps | |
| Share Growth (YoY) | 2.46% | 3.82% | 4.60% | 3.29% | 4.51% | +204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 10.07% | 10.14% | 10.05% | 10.46% | +50 bps | |
| Net Worth / Assets | 9.96% | 10.07% | 10.14% | 10.05% | 10.46% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |