Minneapolis, MN · Charter 24539
NCUA · 1 branch
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 | 0.59% | 0.42% | -0.53% | 0.07% | 0.08% | -0.70% | -0.28% | -0.31% | -38 bps | |
| Return on Equity | 3.36% | 2.26% | -3.03% | 0.35% | 0.41% | -3.97% | -1.62% | -1.89% | -224 bps | |
| Net Interest Margin | 4.78% | 4.99% | 4.42% | 4.73% | 4.57% | 4.65% | 4.17% | 3.80% | -92 bps | |
| Efficiency Ratio | 81.31% | 85.37% | 110.68% | 98.48% | 96.97% | 97.38% | 105.65% | 106.99% | +851 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.38% | -7.06% | 0.56% | -0.40% | -3.04% | 0.17% | -0.95% | 8.11% | +851 bps | |
| Loan Growth (YoY) | -2.54% | -11.61% | -11.91% | -20.20% | -14.70% | -13.82% | -21.45% | -17.61% | +259 bps | |
| Share Growth (YoY) | -8.23% | -9.04% | 0.48% | -0.82% | -3.73% | 1.17% | -0.26% | 11.33% | +1,215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.06% | 5.97% | 6.26% | 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 | 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 | 17.67% | 18.47% | 17.59% | 18.82% | 18.24% | 17.64% | 17.04% | 16.41% | -241 bps | |
| Net Worth / Assets | 17.67% | 18.47% | 17.59% | 18.82% | 18.24% | 17.64% | 17.04% | 16.41% | -241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.36% | 48.19% | 42.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |