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 | |