Saint Paul, MN · Charter 22132
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | -0.04% | -0.05% | -0.35% | -1.44% | -158 bps | |
| Return on Equity | 1.27% | -0.37% | -0.49% | -3.17% | -13.18% | -1,445 bps | |
| Net Interest Margin | 3.44% | 3.42% | 3.32% | 3.13% | 3.34% | -10 bps | |
| Efficiency Ratio | 96.35% | 101.09% | 101.41% | 109.98% | 110.40% | +1,405 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.19% | 8.34% | 5.72% | 8.28% | -8.05% | -1,824 bps | |
| Loan Growth (YoY) | -7.56% | -2.92% | 6.60% | 1.60% | 2.11% | +966 bps | |
| Share Growth (YoY) | 11.03% | 9.41% | 6.42% | 9.80% | -8.61% | -1,965 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.81% | 11.04% | 10.78% | 10.91% | 10.95% | +14 bps | |
| Net Worth / Assets | 10.81% | 11.04% | 10.78% | 10.91% | 10.95% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |