Saint Paul, MN · Charter 24358
NCUA · 3 branches
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 | 0.44% | 0.42% | 0.69% | 0.72% | 0.84% | 0.72% | 0.62% | 0.66% | -6 bps | |
| Return on Equity | 3.69% | 3.47% | 5.80% | 5.95% | 6.84% | 5.77% | 5.02% | 5.09% | -86 bps | |
| Net Interest Margin | 2.55% | 2.58% | 2.75% | 2.95% | 2.98% | 3.05% | 3.29% | 3.43% | +48 bps | |
| Efficiency Ratio | 82.33% | 83.55% | 77.99% | 77.79% | 77.98% | 79.01% | 80.21% | 80.08% | +229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.55% | -3.38% | -1.38% | 1.18% | 1.77% | 1.92% | 1.70% | -1.97% | -316 bps | |
| Loan Growth (YoY) | -7.62% | -8.98% | -7.42% | -6.78% | -2.41% | 5.85% | 5.69% | 7.95% | +1,473 bps | |
| Share Growth (YoY) | 1.34% | 7.01% | 4.53% | 4.82% | 3.28% | 0.93% | 0.75% | -4.94% | -976 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.01% | 0.04% | 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 | 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% | 12.01% | 11.91% | 12.10% | 12.30% | 12.39% | 12.30% | 12.93% | +83 bps | |
| Net Worth / Assets | 11.90% | 12.01% | 11.91% | 12.10% | 12.30% | 12.39% | 12.30% | 12.93% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.13% | 82.76% | 81.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |