South St Paul, MN · Charter 24579
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
36
Asset Quality
16
Profitability
89
Liquidity
93
Efficiency
96
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.
South St Paul, MN · Charter 24579
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 | 1.03% | 1.24% | 1.22% | 1.59% | 1.46% | 1.31% | 1.29% | 1.18% | -41 bps | |
| Return on Equity | 11.73% | 13.47% | 13.27% | 16.69% | 14.67% | 12.76% | 12.42% | 10.80% | -589 bps | |
| Net Interest Margin | 3.81% | 3.81% | 3.74% | 3.81% | 3.98% | 3.92% | 4.27% | 4.44% | +63 bps | |
| Efficiency Ratio | 70.62% | 68.35% | 73.15% | 68.25% | 68.42% | 69.30% | 65.20% | 66.39% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | 3.08% | 4.56% | 9.35% | 4.66% | 2.59% | 1.19% | -3.10% | -1,245 bps | |
| Loan Growth (YoY) | 1.40% | -0.98% | -2.21% | -1.02% | -0.54% | -1.32% | -2.29% | -3.70% | -268 bps | |
| Share Growth (YoY) | 0.97% | 2.08% | 3.62% | 8.88% | 3.28% | 0.94% | -0.03% | -4.40% | -1,328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.50% | 0.61% | 0.70% | 0.80% | 1.84% | 1.29% | 1.49% | +79 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 | 8.81% | 9.19% | 9.22% | 9.55% | 9.97% | 10.27% | 10.42% | 10.95% | +140 bps | |
| Net Worth / Assets | 8.81% | 9.19% | 9.22% | 9.55% | 9.97% | 10.27% | 10.42% | 10.95% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.40% | 72.46% | 68.28% | 68.50% | 69.72% | 70.83% | 66.74% | 69.00% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South St Paul, MN · Charter 24579 · 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
1.18%
Rank 2 of 25
Net Interest Margin
4.44%
Rank 5 of 25
Efficiency Ratio
66.39%
Rank 2 of 25
Equity / Assets
10.95%
Rank 16 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | -0.29% | 0.38% | 0.84% | Beats 92% | 2 / 25 | ||
| Return on Equity | 10.80% | -1.54% | 3.43% | 5.67% | Beats 96% | 1 / 25 | ||
| Net Interest Margin | 4.44% | 3.36% | 3.62% | 4.13% | Beats 80% | 5 / 25 | ||
| Efficiency Ratio | 66.39% | 75.76% | 88.22% | 93.38% | Beats 96% | 2 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.49% | 0.29% | 0.62% | 1.02% | Beats 16% | 22 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.95% | 10.07% | 11.51% | 14.55% | Beats 36% | 16 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.95% | 10.07% | 11.51% | 14.55% | Beats 36% | 16 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.00% | 59.49% | 71.17% | 86.44% | 40th pctl | 15 / 25 | ||
| Loans / Assets | 60.66% | 53.45% | 61.94% | 76.61% | 44th pctl | 14 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||