PackageTrendsPeer
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Trustar

International F, MN · Charter 24626

NCUA · 6 branches

Q2 2026

$376.7MAssets
$282.3MLoans
$313.5MShares
$58.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.42%, up 6 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.36% of loans (-37 bps YoY).
  • Capital: net worth / assets of 15.42%, up 25 bps from a year ago.
  • Funding: loans stand at 90.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+24 bps YoY

Efficiency Ratio (YTD, annualized)

73.38%-178 bps YoY

Net Worth / Assets

15.42%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.44%1.16%1.35%1.42%+6 bps
Return on Equity8.98%9.48%7.65%8.93%9.22%+23 bps
Net Interest Margin4.14%4.13%3.94%4.30%4.38%+24 bps
Efficiency Ratio75.16%72.85%76.22%74.84%73.38%-178 bps
Growth
Asset Growth (YoY)6.16%5.82%6.54%6.01%6.65%+50 bps
Loan Growth (YoY)1.66%5.77%10.18%12.04%12.77%+1,110 bps
Share Growth (YoY)6.69%5.91%6.00%5.52%6.05%-65 bps
Asset Quality
Delinquent Loans / Loans0.73%0.72%0.37%0.18%0.36%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.17%15.15%15.15%15.15%15.42%+25 bps
Net Worth / Assets15.17%15.15%15.15%15.15%15.42%+25 bps
Liquidity & Funding
Loans / Shares84.66%86.24%89.12%87.70%90.02%+537 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps