Two Harbors, MN · Charter 5721
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.69% | 0.73% | 0.63% | 0.60% | -16 bps | |
| Return on Equity | 5.43% | 4.88% | 5.14% | 4.52% | 4.17% | -126 bps | |
| Net Interest Margin | 2.86% | 2.91% | 2.87% | 2.94% | 3.07% | +21 bps | |
| Efficiency Ratio | 74.38% | 73.05% | 74.03% | 76.16% | 75.22% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.21% | 5.01% | 6.14% | 7.06% | 2.08% | -313 bps | |
| Loan Growth (YoY) | 1.77% | -0.45% | 5.22% | 5.65% | 2.77% | +100 bps | |
| Share Growth (YoY) | 4.90% | 5.12% | 6.40% | 7.04% | 1.36% | -354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.14% | 0.30% | 0.14% | 0.07% | -6 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 | 13.99% | 14.06% | 14.18% | 13.92% | 14.35% | +36 bps | |
| Net Worth / Assets | 13.99% | 14.06% | 14.18% | 13.92% | 14.35% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.16% | 73.89% | 80.27% | 75.60% | 79.25% | +109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |