Saint Paul, MN · Charter 24362
NCUA · 35 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
63
Profitability
78
Liquidity
97
Efficiency
73
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 24362
NCUA · 35 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 | 0.65% | 0.79% | 0.92% | 1.05% | 1.18% | +53 bps | |
| Return on Equity | 7.55% | 9.16% | 10.85% | 12.45% | 13.44% | +588 bps | |
| Net Interest Margin | 3.59% | 3.49% | 3.41% | 3.40% | 3.48% | -10 bps | |
| Efficiency Ratio | 72.11% | 70.58% | 68.28% | 68.24% | 66.17% | -594 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.84% | 11.17% | 12.94% | 12.21% | 12.31% | +547 bps | |
| Loan Growth (YoY) | -0.70% | 0.29% | 0.96% | 4.92% | 4.28% | +498 bps | |
| Share Growth (YoY) | 7.53% | 9.00% | 10.20% | 9.10% | 9.45% | +192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.62% | 0.68% | 0.56% | 0.57% | -4 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 | 8.64% | 8.58% | 8.47% | 8.45% | 8.78% | +15 bps | |
| Net Worth / Assets | 8.64% | 8.58% | 8.47% | 8.45% | 8.78% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.22% | 90.77% | 89.41% | 88.14% | 88.82% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 24362 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 35 branches
Q2 2026
Return on Assets
1.18%
Rank 92 of 435
Net Interest Margin
3.48%
Rank 183 of 435
Efficiency Ratio
66.17%
Rank 120 of 435
Equity / Assets
8.78%
Rank 399 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.55% | 0.81% | 1.14% | Beats 79% | 92 / 435 | |
| Return on Equity | 13.44% | 5.12% | 7.41% | 9.70% | Beats 96% | 18 / 435 | |
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 58% | 183 / 435 | |
| Efficiency Ratio | 66.17% | 65.25% | 71.39% | 77.86% | Beats 73% | 120 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 63% | 161 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 399 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 399 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.82% | 78.33% | 88.38% | 95.61% | 52nd pctl | 210 / 435 | |
| Loans / Assets | 75.48% | 67.69% | 74.58% | 80.80% | 54th pctl | 201 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||