Aurora, MN · Charter 4708
NCUA · 5 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 | 1.54% | 1.69% | 1.50% | 2.06% | 1.51% | -2 bps | |
| Return on Equity | 10.14% | 10.92% | 9.58% | 14.71% | 10.67% | +53 bps | |
| Net Interest Margin | 4.59% | 4.65% | 4.64% | 4.59% | 4.64% | +4 bps | |
| Efficiency Ratio | 66.57% | 64.43% | 66.97% | 62.12% | 66.99% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.45% | 9.46% | 8.99% | 2.23% | 2.37% | -1,108 bps | |
| Loan Growth (YoY) | 12.10% | 10.03% | 8.72% | 6.18% | 4.28% | -782 bps | |
| Share Growth (YoY) | 13.32% | 8.73% | 9.09% | 3.63% | 3.93% | -939 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 1.93% | 1.44% | 1.39% | 0.95% | -58 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 | 15.16% | 15.49% | 15.67% | 14.02% | 14.18% | -98 bps | |
| Net Worth / Assets | 15.16% | 15.49% | 15.67% | 14.02% | 14.18% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.17% | 92.09% | 91.19% | 89.33% | 91.48% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |