Albert Lea, MN · Charter 24674
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
69
Asset Quality
32
Profitability
84
Liquidity
69
Efficiency
81
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.
Albert Lea, MN · Charter 24674
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 2.21% | 2.15% | 1.84% | 1.86% | 1.75% | 1.54% | 1.57% | -27 bps | |
| Return on Equity | 16.35% | 15.32% | 15.16% | 12.67% | 12.58% | 11.55% | 10.31% | 10.26% | -241 bps | |
| Net Interest Margin | 4.76% | 4.71% | 4.57% | 4.54% | 4.60% | 4.62% | 4.50% | 4.52% | -2 bps | |
| Efficiency Ratio | 63.61% | 64.37% | 62.78% | 62.98% | 62.52% | 65.99% | 65.87% | 65.61% | +263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | 1.61% | -0.37% | 4.06% | 7.82% | 7.34% | 6.14% | 5.67% | +161 bps | |
| Loan Growth (YoY) | 2.18% | -1.29% | -2.72% | -3.45% | -5.78% | -3.41% | -1.45% | -0.32% | +313 bps | |
| Share Growth (YoY) | -2.44% | -0.91% | -2.89% | 2.25% | 6.67% | 6.58% | 5.38% | 4.92% | +268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 2.18% | 1.40% | 1.61% | 0.95% | 1.53% | 0.94% | 1.04% | -57 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.93% | 14.39% | 14.19% | 14.53% | 14.78% | 15.16% | 14.93% | 15.27% | +74 bps | |
| Net Worth / Assets | 13.93% | 14.39% | 14.19% | 14.53% | 14.78% | 15.16% | 14.93% | 15.27% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.29% | 87.16% | 80.88% | 80.51% | 78.87% | 78.99% | 75.64% | 76.48% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albert Lea, MN · Charter 24674 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.57%
Rank 216 of 1,683
Net Interest Margin
4.52%
Rank 322 of 1,683
Efficiency Ratio
65.59%
Rank 313 of 1,682
Equity / Assets
15.27%
Rank 522 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 216 / 1,683 | ||
| Return on Equity | 10.26% | 2.67% | 5.89% | 8.74% | Beats 84% | 264 / 1,681 | ||
| Net Interest Margin | 4.52% | 3.31% | 3.82% | 4.32% | Beats 81% | 322 / 1,683 | ||
| Efficiency Ratio | 65.59% | 68.91% | 78.20% | 86.93% | Beats 81% | 313 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,151 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.27% | 10.44% | 12.89% | 16.53% | Beats 69% | 522 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.27% | 10.44% | 12.89% | 16.53% | Beats 69% | 522 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.48% | 52.61% | 69.38% | 83.50% | 63rd pctl | 631 / 1,683 | ||
| Loans / Assets | 64.44% | 44.71% | 59.18% | 70.72% | 62nd pctl | 646 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||