Saint Paul, MN · Charter 24676
NCUA · 2 branches
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% | 2.30% | 1.52% | 1.48% | 1.82% | 1.89% | 1.46% | 1.35% | -13 bps | |
| Return on Equity | 16.82% | 16.28% | 10.57% | 9.99% | 11.92% | 12.19% | 9.16% | 8.44% | -155 bps | |
| Net Interest Margin | 4.88% | 4.92% | 4.78% | 4.86% | 4.79% | 4.68% | 4.50% | 4.50% | -36 bps | |
| Efficiency Ratio | 64.35% | 66.25% | 80.53% | 81.04% | 76.81% | 75.62% | 80.34% | 81.75% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.35% | -0.32% | 1.36% | 1.93% | 1.71% | 3.75% | 2.04% | 3.75% | +182 bps | |
| Loan Growth (YoY) | 8.09% | 9.77% | 10.94% | 6.35% | 3.61% | 0.99% | -2.32% | -6.45% | -1,280 bps | |
| Share Growth (YoY) | -11.58% | -2.63% | 0.25% | -0.17% | 0.24% | 2.01% | 2.54% | 2.91% | +308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.14% | 0.35% | 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 | 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 | 13.53% | 14.13% | 14.37% | 14.84% | 15.25% | 15.51% | 15.99% | 16.03% | +119 bps | |
| Net Worth / Assets | 13.53% | 14.13% | 14.37% | 14.84% | 15.25% | 15.51% | 15.99% | 16.03% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.94% | 53.43% | 54.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |