Saint Paul, MN · Charter 24362
NCUA · 35 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 | 0.43% | 0.47% | 0.38% | 0.65% | 0.79% | 0.92% | 1.05% | 1.18% | +53 bps | |
| Return on Equity | 4.82% | 5.45% | 4.50% | 7.55% | 9.16% | 10.85% | 12.45% | 13.44% | +588 bps | |
| Net Interest Margin | 3.54% | 3.51% | 3.48% | 3.59% | 3.49% | 3.41% | 3.40% | 3.48% | -10 bps | |
| Efficiency Ratio | 75.55% | 74.45% | 76.18% | 72.11% | 70.58% | 68.28% | 68.24% | 66.17% | -594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 3.46% | 6.35% | 6.84% | 11.17% | 12.94% | 12.21% | 12.31% | +547 bps | |
| Loan Growth (YoY) | 2.24% | 2.54% | -2.79% | -0.70% | 0.29% | 0.96% | 4.92% | 4.28% | +498 bps | |
| Share Growth (YoY) | 4.12% | 6.17% | 7.02% | 7.53% | 9.00% | 10.20% | 9.10% | 9.45% | +192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.73% | 0.56% | 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 | 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 | 8.84% | 8.64% | 8.39% | 8.64% | 8.58% | 8.47% | 8.45% | 8.78% | +15 bps | |
| Net Worth / Assets | 8.84% | 8.64% | 8.39% | 8.64% | 8.58% | 8.47% | 8.45% | 8.78% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.66% | 97.59% | 91.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |