South St Paul, MN · Charter 24579
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |