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St. Paul

Saint Paul, MN · Charter 24358

NCUA · 3 branches

Q2 2026

$252.1MAssets
$199.4MLoans
$215.2MShares
$32.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.66%, down 6 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.20% of loans (+13 bps YoY).
  • Capital: net worth / assets of 12.93%, up 83 bps from a year ago.
  • Funding: loans stand at 92.66% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.66%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+48 bps YoY

Efficiency Ratio (quarter, annualized)

80.08%+229 bps YoY

Net Worth / Assets

12.93%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.84%0.72%0.62%0.66%-6 bps
Return on Equity5.95%6.84%5.77%5.02%5.09%-86 bps
Net Interest Margin2.95%2.98%3.05%3.29%3.43%+48 bps
Efficiency Ratio77.79%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 / Loans0.07%0.11%0.02%0.17%0.20%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.10%12.30%12.39%12.30%12.93%+83 bps
Net Worth / Assets12.10%12.30%12.39%12.30%12.93%+83 bps
Liquidity & Funding
Loans / Shares81.60%82.33%86.79%85.55%92.66%+1,107 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps