Saint Paul, MN · Charter 22132
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
32
Asset Quality
52
Profitability
8
Liquidity
30
Efficiency
12
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.
Saint Paul, MN · Charter 22132
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 | 0.72% | 0.62% | 0.51% | 0.14% | -0.04% | -0.05% | -0.35% | -1.44% | -158 bps | |
| Return on Equity | 6.02% | 5.43% | 4.21% | 1.27% | -0.37% | -0.49% | -3.17% | -13.18% | -1,445 bps | |
| Net Interest Margin | 4.00% | 3.78% | 4.19% | 3.44% | 3.42% | 3.32% | 3.13% | 3.34% | -10 bps | |
| Efficiency Ratio | 83.75% | 85.00% | 84.81% | 96.35% | 101.09% | 101.41% | 109.98% | 110.40% | +1,405 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -3.04% | -6.83% | 10.19% | 8.34% | 5.72% | 8.28% | -8.05% | -1,824 bps | |
| Loan Growth (YoY) | -4.18% | -10.20% | -8.21% | -7.56% | -2.92% | 6.60% | 1.60% | 2.11% | +966 bps | |
| Share Growth (YoY) | -6.44% | -4.17% | -8.44% | 11.03% | 9.41% | 6.42% | 9.80% | -8.61% | -1,965 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.25% | 0.11% | 0.62% | +62 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 | 11.90% | 11.45% | 12.14% | 10.81% | 11.04% | 10.78% | 10.91% | 10.95% | +14 bps | |
| Net Worth / Assets | 11.90% | 11.45% | 12.14% | 10.81% | 11.04% | 10.78% | 10.91% | 10.95% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.16% | 83.42% | 87.26% | 77.37% | 83.55% | 83.57% | 80.75% | 86.44% | +907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 22132 · 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
-1.45%
Rank 24 of 25
Net Interest Margin
3.34%
Rank 21 of 25
Efficiency Ratio
110.15%
Rank 23 of 25
Equity / Assets
10.95%
Rank 17 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.45% | -0.29% | 0.38% | 0.84% | Beats 4% | 24 / 25 | ||
| Return on Equity | -13.21% | -1.54% | 3.43% | 5.67% | Beats 4% | 24 / 25 | ||
| Net Interest Margin | 3.34% | 3.36% | 3.62% | 4.13% | Beats 16% | 21 / 25 | ||
| Efficiency Ratio | 110.15% | 75.76% | 88.22% | 93.38% | Beats 12% | 23 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.29% | 0.62% | 1.02% | Beats 52% | 13 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.95% | 10.07% | 11.51% | 14.55% | Beats 32% | 17 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.95% | 10.07% | 11.51% | 14.55% | Beats 32% | 17 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.44% | 59.49% | 71.17% | 86.44% | 72nd pctl | 7 / 25 | ||
| Loans / Assets | 76.61% | 53.45% | 61.94% | 76.61% | 72nd pctl | 7 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||