PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mayo Employees

Rochester, MN · Charter 24748

NCUA · 10 branches

Q2 2026

$1.5BAssets
$708.1MLoans
$1.3BShares
$223.5MNet 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 1.80%, up 36 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.05% of loans (+2 bps YoY).
  • Capital: net worth / assets of 14.90%, up 100 bps from a year ago.
  • Funding: loans stand at 55.33% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.80%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.80%+36 bps YoY

Efficiency Ratio (quarter, annualized)

50.57%-518 bps YoY

Net Worth / Assets

14.90%+100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.52%1.54%1.82%1.80%+36 bps
Return on Equity10.36%10.78%10.71%12.83%12.06%+170 bps
Net Interest Margin2.43%2.46%2.51%2.70%2.80%+36 bps
Efficiency Ratio55.75%54.08%53.84%48.68%50.57%-518 bps
Growth
Asset Growth (YoY)1.47%5.21%4.64%8.14%5.27%+380 bps
Loan Growth (YoY)0.83%1.01%2.21%2.51%1.84%+101 bps
Share Growth (YoY)3.13%6.38%3.27%6.80%3.84%+71 bps
Asset Quality
Delinquent Loans / Loans0.02%0.03%0.08%0.04%0.05%+2 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 Capital13.90%14.07%14.41%14.21%14.90%+100 bps
Net Worth / Assets13.90%14.07%14.41%14.21%14.90%+100 bps
Liquidity & Funding
Loans / Shares56.41%55.83%56.58%53.28%55.33%-109 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps