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Embarrass Vermillion

Aurora, MN · Charter 4708

NCUA · 5 branches

Q2 2026

$66.7MAssets
$51.9MLoans
$56.8MShares
$9.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.51%, down 2 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.95% of loans (-58 bps YoY).
  • Capital: net worth / assets of 14.18%, down 98 bps from a year ago.
  • Funding: loans stand at 91.48% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.51%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+4 bps YoY

Efficiency Ratio (YTD, annualized)

66.99%+42 bps YoY

Net Worth / Assets

14.18%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.13%2.05%1.37%1.54%1.69%1.50%2.06%1.51%-2 bps
Return on Equity14.07%13.23%9.26%10.14%10.92%9.58%14.71%10.67%+53 bps
Net Interest Margin5.15%5.11%4.60%4.59%4.65%4.64%4.59%4.64%+4 bps
Efficiency Ratio59.79%62.50%67.04%66.57%64.43%66.97%62.12%66.99%+42 bps
Growth
Asset Growth (YoY)1.19%3.50%11.24%13.45%9.46%8.99%2.23%2.37%-1,108 bps
Loan Growth (YoY)14.74%9.89%10.50%12.10%10.03%8.72%6.18%4.28%-782 bps
Share Growth (YoY)-0.48%1.73%10.47%13.32%8.73%9.09%3.63%3.93%-939 bps
Asset Quality
Delinquent Loans / Loans1.43%1.29%1.41%1.53%1.93%1.44%1.39%0.95%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.13%15.47%14.80%15.16%15.49%15.67%14.02%14.18%-98 bps
Net Worth / Assets15.13%15.47%14.80%15.16%15.49%15.67%14.02%14.18%-98 bps
Liquidity & Funding
Loans / Shares91.00%91.50%87.18%91.17%92.09%91.19%89.33%91.48%+31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps