PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Metro

Prior Lake, MN · Charter 24482

NCUA · 6 branches

Q2 2026

$184.8MAssets
$142.9MLoans
$173.3MShares
$15.0MNet 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 0.04%, up 13 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.50% of loans (-28 bps YoY).
  • Capital: net worth / assets of 8.09%, down 80 bps from a year ago.
  • Funding: loans stand at 82.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+44 bps YoY

Efficiency Ratio (YTD, annualized)

95.99%-14 bps YoY

Net Worth / Assets

8.09%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.08%-0.01%-0.23%0.12%0.04%+13 bps
Return on Equity-0.94%-0.12%-2.80%1.51%0.53%+147 bps
Net Interest Margin3.39%3.57%3.45%3.64%3.83%+44 bps
Efficiency Ratio96.13%94.83%99.08%92.41%95.99%-14 bps
Growth
Asset Growth (YoY)-2.52%-5.31%9.02%8.55%6.44%+896 bps
Loan Growth (YoY)-3.09%2.04%9.33%15.78%26.43%+2,952 bps
Share Growth (YoY)2.55%0.76%12.89%8.91%7.44%+488 bps
Asset Quality
Delinquent Loans / Loans0.78%0.39%0.37%0.21%0.50%-28 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 Capital8.89%9.03%8.24%8.16%8.09%-80 bps
Net Worth / Assets8.89%9.03%8.24%8.16%8.09%-80 bps
Liquidity & Funding
Loans / Shares70.07%74.58%73.15%76.34%82.46%+1,239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps