Rochester, MN · Charter 24748
NCUA · 10 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 | 0.83% | 0.87% | 1.37% | 1.44% | 1.52% | 1.54% | 1.82% | 1.80% | +36 bps | |
| Return on Equity | 6.24% | 6.45% | 10.05% | 10.36% | 10.78% | 10.71% | 12.83% | 12.06% | +170 bps | |
| Net Interest Margin | 1.89% | 1.95% | 2.37% | 2.43% | 2.46% | 2.51% | 2.70% | 2.80% | +36 bps | |
| Efficiency Ratio | 68.18% | 67.55% | 56.24% | 55.75% | 54.08% | 53.84% | 48.68% | 50.57% | -518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 3.03% | -0.41% | 1.47% | 5.21% | 4.64% | 8.14% | 5.27% | +380 bps | |
| Loan Growth (YoY) | 1.36% | 1.78% | 1.45% | 0.83% | 1.01% | 2.21% | 2.51% | 1.84% | +101 bps | |
| Share Growth (YoY) | -1.72% | 0.56% | 2.08% | 3.13% | 6.38% | 3.27% | 6.80% | 3.84% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.07% | 0.02% | 0.02% | 0.03% | 0.08% | 0.04% | 0.05% | +2 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 | 13.38% | 13.48% | 13.65% | 13.90% | 14.07% | 14.41% | 14.21% | 14.90% | +100 bps | |
| Net Worth / Assets | 13.38% | 13.48% | 13.65% | 13.90% | 14.07% | 14.41% | 14.21% | 14.90% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.80% | 57.16% | 55.51% | 56.41% | 55.83% | 56.58% | 53.28% | 55.33% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |