St. Cloud, MN · Charter 24632
NCUA · 9 branches
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.31% | -0.45% | -0.60% | -0.71% | -0.59% | -0.01% | 0.72% | +131 bps | |
| Return on Equity | 4.08% | 4.25% | -6.27% | -8.35% | -10.04% | -8.45% | -0.08% | 9.37% | +1,772 bps | |
| Net Interest Margin | 3.06% | 3.10% | 2.91% | 2.94% | 2.99% | 3.00% | 3.27% | 3.60% | +66 bps | |
| Efficiency Ratio | 90.62% | 89.35% | 101.28% | 100.37% | 97.70% | 97.31% | 84.43% | 77.47% | -2,290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 6.11% | 1.60% | -4.11% | -5.18% | -3.86% | -3.57% | -6.44% | -233 bps | |
| Loan Growth (YoY) | 15.80% | 8.86% | 1.11% | -3.43% | -3.81% | -3.13% | -1.89% | -4.10% | -67 bps | |
| Share Growth (YoY) | 6.46% | 2.89% | 0.37% | -2.04% | -2.66% | -0.15% | -2.18% | -4.86% | -282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.78% | 0.67% | 0.80% | 0.81% | 0.95% | 0.86% | 1.00% | +20 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 | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.04% | 7.27% | 7.22% | 7.13% | 7.03% | 6.95% | 6.98% | 7.65% | +52 bps | |
| Net Worth / Assets | 7.04% | 7.27% | 7.22% | 7.13% | 7.03% | 6.95% | 6.98% | 7.65% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.14% | 92.90% | 89.64% | 93.01% | 92.03% | 90.13% | 89.91% | 93.76% | +74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.67% | 0.00% | 0.00% | 99.84% | 0.00% | 0.00% | 0 bps | |