PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great River

St. Cloud, MN · Charter 24632

NCUA · 9 branches

Q2 2025

$329.7MAssets
$281.2MLoans
$299.9MShares
$25.2MNet 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 0.72%, up 131 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.00% of loans (+20 bps YoY).
  • Capital: net worth / assets of 7.65%, up 52 bps from a year ago.
  • Funding: loans stand at 93.76% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.72%+131 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+66 bps YoY

Efficiency Ratio (YTD, annualized)

77.47%-2,290 bps YoY

Net Worth / Assets

7.65%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.60%-0.71%-0.59%-0.01%0.72%+131 bps
Return on Equity-8.35%-10.04%-8.45%-0.08%9.37%+1,772 bps
Net Interest Margin2.94%2.99%3.00%3.27%3.60%+66 bps
Efficiency Ratio100.37%97.70%97.31%84.43%77.47%-2,290 bps
Growth
Asset Growth (YoY)-4.11%-5.18%-3.86%-3.57%-6.44%-233 bps
Loan Growth (YoY)-3.43%-3.81%-3.13%-1.89%-4.10%-67 bps
Share Growth (YoY)-2.04%-2.66%-0.15%-2.18%-4.86%-282 bps
Asset Quality
Delinquent Loans / Loans0.80%0.81%0.95%0.86%1.00%+20 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 Capital7.13%7.03%6.95%6.98%7.65%+52 bps
Net Worth / Assets7.13%7.03%6.95%6.98%7.65%+52 bps
Liquidity & Funding
Loans / Shares93.01%92.03%90.13%89.91%93.76%+74 bps
Liquid Assets / Assets0.00%0.00%99.84%0.00%0.00%0 bps