Fairmont, MN · Charter 24612
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
34
Profitability
32
Liquidity
29
Efficiency
87
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.
Fairmont, MN · Charter 24612
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 | 1.12% | 1.20% | 0.88% | -0.19% | 0.61% | -52 bps | |
| Return on Equity | 10.72% | 10.66% | 8.11% | -1.76% | 5.80% | -492 bps | |
| Net Interest Margin | 2.97% | 3.08% | 2.91% | 3.08% | 2.57% | -41 bps | |
| Efficiency Ratio | 54.84% | 56.13% | 65.81% | 56.53% | 62.61% | +777 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.61% | -2.32% | 0.45% | 3.34% | 6.14% | +253 bps | |
| Loan Growth (YoY) | -4.29% | -7.52% | -10.38% | -5.50% | -0.50% | +379 bps | |
| Share Growth (YoY) | 3.23% | -4.10% | -0.49% | 3.31% | 6.13% | +290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.93% | 1.18% | 2.77% | 1.35% | 0.98% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.32% | 1.38% | 1.41% | 1.14% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.46% | 11.24% | 10.89% | 10.61% | 10.45% | -1 bps | |
| Net Worth / Assets | 10.46% | 11.24% | 10.89% | 10.61% | 10.45% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.31% | 94.15% | 86.45% | 88.21% | 85.60% | -571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairmont, MN · Charter 24612 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.61%
Rank 1,000 of 1,683
Net Interest Margin
2.59%
Rank 1,603 of 1,683
Efficiency Ratio
61.82%
Rank 218 of 1,682
Equity / Assets
10.44%
Rank 1,264 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 41% | 1,000 / 1,683 | |
| Return on Equity | 5.86% | 2.67% | 5.89% | 8.74% | Beats 49% | 849 / 1,681 | |
| Net Interest Margin | 2.59% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,603 / 1,683 | |
| Efficiency Ratio | 61.82% | 68.91% | 78.20% | 86.93% | Beats 87% | 218 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,117 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,264 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,264 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.60% | 52.61% | 69.38% | 83.50% | 79th pctl | 357 / 1,683 | |
| Loans / Assets | 76.60% | 44.71% | 59.18% | 70.72% | 87th pctl | 227 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||