Bloomington, MN · Charter 5781
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
32
Profitability
60
Liquidity
48
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bloomington, MN · Charter 5781
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 | 1.97% | 1.86% | 1.53% | 2.08% | 1.71% | -26 bps | |
| Return on Equity | 7.74% | 7.23% | 5.94% | 7.72% | 6.34% | -140 bps | |
| Net Interest Margin | 4.10% | 4.10% | 3.98% | 3.71% | 3.50% | -61 bps | |
| Efficiency Ratio | 43.67% | 43.06% | 52.56% | 44.11% | 51.26% | +759 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.23% | -10.86% | -3.47% | -3.81% | -0.28% | +1,394 bps | |
| Loan Growth (YoY) | 13.25% | 0.77% | -8.74% | -14.26% | -19.19% | -3,245 bps | |
| Share Growth (YoY) | -19.60% | -15.20% | -6.45% | -6.96% | -2.27% | +1,733 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 1.14% | 0.62% | 0.63% | 1.09% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.52% | 1.63% | 1.67% | 1.74% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.40% | 25.68% | 25.76% | 26.90% | 26.88% | +148 bps | |
| Net Worth / Assets | 25.40% | 25.68% | 25.76% | 26.90% | 26.88% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.45% | 81.03% | 76.98% | 74.57% | 69.00% | -1,445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, MN · Charter 5781 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.71%
Rank 5 of 60
Net Interest Margin
3.46%
Rank 37 of 60
Efficiency Ratio
52.00%
Rank 4 of 60
Equity / Assets
26.88%
Rank 3 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 0.35% | 0.84% | 1.37% | Beats 92% | 5 / 60 | |
| Return on Equity | 6.36% | 2.76% | 6.36% | 10.04% | Beats 50% | 30 / 60 | |
| Net Interest Margin | 3.46% | 3.02% | 3.63% | 4.05% | Beats 38% | 37 / 60 | |
| Efficiency Ratio | 52.00% | 67.68% | 77.48% | 89.33% | Beats 95% | 4 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.10% | 0.32% | 0.64% | 1.44% | Beats 32% | 42 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.88% | 10.72% | 13.16% | 17.68% | Beats 95% | 3 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.88% | 10.72% | 13.16% | 17.68% | Beats 95% | 3 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.99% | 43.79% | 55.03% | 72.55% | 72nd pctl | 17 / 60 | |
| Loans / Assets | 50.42% | 36.50% | 47.22% | 58.67% | 55th pctl | 27 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||