Albert Lea, MN · Charter 24674
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 | 1.84% | 1.86% | 1.75% | 1.54% | 1.57% | -27 bps | |
| Return on Equity | 12.67% | 12.58% | 11.55% | 10.31% | 10.26% | -241 bps | |
| Net Interest Margin | 4.54% | 4.60% | 4.62% | 4.50% | 4.52% | -2 bps | |
| Efficiency Ratio | 62.98% | 62.52% | 65.99% | 65.87% | 65.61% | +263 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.06% | 7.82% | 7.34% | 6.14% | 5.67% | +161 bps | |
| Loan Growth (YoY) | -3.45% | -5.78% | -3.41% | -1.45% | -0.32% | +313 bps | |
| Share Growth (YoY) | 2.25% | 6.67% | 6.58% | 5.38% | 4.92% | +268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.53% | 14.78% | 15.16% | 14.93% | 15.27% | +74 bps | |
| Net Worth / Assets | 14.53% | 14.78% | 15.16% | 14.93% | 15.27% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |