PackageTrendsPeer
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Carpenters

Saint Paul, MN · Charter 24676

NCUA · 2 branches

Q2 2026

$44.3MAssets
$19.1MLoans
$37.6MShares
$7.1MNet 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 1.35%, down 13 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 1.01% of loans (+74 bps YoY).
  • Capital: net worth / assets of 16.03%, up 119 bps from a year ago.
  • Funding: loans stand at 50.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.50%-36 bps YoY

Efficiency Ratio (YTD, annualized)

81.75%+71 bps YoY

Net Worth / Assets

16.03%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.82%1.89%1.46%1.35%-13 bps
Return on Equity9.99%11.92%12.19%9.16%8.44%-155 bps
Net Interest Margin4.86%4.79%4.68%4.50%4.50%-36 bps
Efficiency Ratio81.04%76.81%75.62%80.34%81.75%+71 bps
Growth
Asset Growth (YoY)1.93%1.71%3.75%2.04%3.75%+182 bps
Loan Growth (YoY)6.35%3.61%0.99%-2.32%-6.45%-1,280 bps
Share Growth (YoY)-0.17%0.24%2.01%2.54%2.91%+308 bps
Asset Quality
Delinquent Loans / Loans0.28%0.58%0.14%0.28%1.01%+74 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 Capital14.84%15.25%15.51%15.99%16.03%+119 bps
Net Worth / Assets14.84%15.25%15.51%15.99%16.03%+119 bps
Liquidity & Funding
Loans / Shares55.73%55.75%52.90%51.67%50.66%-507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps