Minneapolis, MN · Charter 24539
NCUA · 1 branch
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 under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
8
Profitability
35
Liquidity
0
Efficiency
20
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.
Minneapolis, MN · Charter 24539
NCUA · 1 branch
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 | 0.07% | 0.08% | -0.70% | -0.28% | -0.31% | -38 bps | |
| Return on Equity | 0.35% | 0.41% | -3.97% | -1.62% | -1.89% | -224 bps | |
| Net Interest Margin | 4.73% | 4.57% | 4.65% | 4.17% | 3.80% | -92 bps | |
| Efficiency Ratio | 98.48% | 96.97% | 97.38% | 105.65% | 106.99% | +851 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | -3.04% | 0.17% | -0.95% | 8.11% | +851 bps | |
| Loan Growth (YoY) | -20.20% | -14.70% | -13.82% | -21.45% | -17.61% | +259 bps | |
| Share Growth (YoY) | -0.82% | -3.73% | 1.17% | -0.26% | 11.33% | +1,215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.69% | 8.01% | 6.48% | 4.29% | 4.10% | -459 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 | 18.82% | 18.24% | 17.64% | 17.04% | 16.41% | -241 bps | |
| Net Worth / Assets | 18.82% | 18.24% | 17.64% | 17.04% | 16.41% | -241 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.31% | 42.85% | 41.05% | 33.50% | 32.79% | -1,152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Minneapolis, MN · Charter 24539 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.29%
Rank 19 of 25
Net Interest Margin
3.83%
Rank 9 of 25
Efficiency Ratio
105.49%
Rank 21 of 25
Equity / Assets
16.40%
Rank 5 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.29% | 0.38% | 0.84% | Beats 24% | 19 / 25 | |
| Return on Equity | -1.78% | -1.54% | 3.43% | 5.67% | Beats 16% | 21 / 25 | |
| Net Interest Margin | 3.83% | 3.36% | 3.62% | 4.13% | Beats 64% | 9 / 25 | |
| Efficiency Ratio | 105.49% | 75.76% | 88.22% | 93.38% | Beats 20% | 21 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.08% | 0.29% | 0.62% | 1.02% | Beats 8% | 24 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.40% | 10.07% | 11.51% | 14.55% | Beats 80% | 5 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.40% | 10.07% | 11.51% | 14.55% | Beats 80% | 5 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.78% | 59.49% | 71.17% | 86.44% | 8th pctl | 23 / 25 | |
| Loans / Assets | 27.37% | 53.45% | 61.94% | 76.61% | 8th pctl | 23 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||