Saint Paul, MN · Charter 24676
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 1.82% | 1.89% | 1.46% | 1.35% | -13 bps | |
| Return on Equity | 9.99% | 11.92% | 12.19% | 9.16% | 8.44% | -155 bps | |
| Net Interest Margin | 4.86% | 4.79% | 4.68% | 4.50% | 4.50% | -36 bps | |
| Efficiency Ratio | 81.04% | 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 / Loans | 0.28% | 0.58% | 0.14% | 0.28% | 1.01% | +74 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 | 14.84% | 15.25% | 15.51% | 15.99% | 16.03% | +119 bps | |
| Net Worth / Assets | 14.84% | 15.25% | 15.51% | 15.99% | 16.03% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.73% | 55.75% | 52.90% | 51.67% | 50.66% | -507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |