Saint Paul, MN · Charter 24358
NCUA · 3 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 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
60
Asset Quality
80
Profitability
55
Liquidity
1
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.
Saint Paul, MN · Charter 24358
NCUA · 3 branches
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 | 0.72% | 0.84% | 0.72% | 0.62% | 0.66% | -6 bps | |
| Return on Equity | 5.95% | 6.84% | 5.77% | 5.02% | 5.09% | -86 bps | |
| Net Interest Margin | 2.95% | 2.98% | 3.05% | 3.29% | 3.43% | +48 bps | |
| Efficiency Ratio | 77.79% | 77.98% | 79.01% | 80.21% | 80.08% | +229 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | 1.77% | 1.92% | 1.70% | -1.97% | -316 bps | |
| Loan Growth (YoY) | -6.78% | -2.41% | 5.85% | 5.69% | 7.95% | +1,473 bps | |
| Share Growth (YoY) | 4.82% | 3.28% | 0.93% | 0.75% | -4.94% | -976 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.11% | 0.02% | 0.17% | 0.20% | +13 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 | 12.10% | 12.30% | 12.39% | 12.30% | 12.93% | +83 bps | |
| Net Worth / Assets | 12.10% | 12.30% | 12.39% | 12.30% | 12.93% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.60% | 82.33% | 86.79% | 85.55% | 92.66% | +1,107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 24358 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 9 of 25
Net Interest Margin
3.43%
Rank 17 of 25
Efficiency Ratio
80.06%
Rank 8 of 25
Equity / Assets
12.93%
Rank 10 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | -0.29% | 0.38% | 0.84% | Beats 64% | 9 / 25 | |
| Return on Equity | 5.09% | -1.54% | 3.43% | 5.67% | Beats 68% | 8 / 25 | |
| Net Interest Margin | 3.43% | 3.36% | 3.62% | 4.13% | Beats 32% | 17 / 25 | |
| Efficiency Ratio | 80.06% | 75.76% | 88.22% | 93.38% | Beats 72% | 8 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.29% | 0.62% | 1.02% | Beats 80% | 6 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.93% | 10.07% | 11.51% | 14.55% | Beats 60% | 10 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.93% | 10.07% | 11.51% | 14.55% | Beats 60% | 10 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.66% | 59.49% | 71.17% | 86.44% | 84th pctl | 4 / 25 | |
| Loans / Assets | 79.08% | 53.45% | 61.94% | 76.61% | 84th pctl | 4 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||