Bloomington, MN · Charter 5781
NCUA · 1 branch
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 | 2.93% | 2.11% | 2.48% | 1.97% | 1.86% | 1.53% | 2.08% | 1.71% | -26 bps | |
| Return on Equity | 13.37% | 9.03% | 10.14% | 7.74% | 7.23% | 5.94% | 7.72% | 6.34% | -140 bps | |
| Net Interest Margin | 4.57% | 4.09% | 4.14% | 4.10% | 4.10% | 3.98% | 3.71% | 3.50% | -61 bps | |
| Efficiency Ratio | 32.14% | 42.22% | 40.06% | 43.67% | 43.06% | 52.56% | 44.11% | 51.26% | +759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.17% | -13.69% | -12.98% | -14.23% | -10.86% | -3.47% | -3.81% | -0.28% | +1,394 bps | |
| Loan Growth (YoY) | 43.30% | 38.26% | 20.15% | 13.25% | 0.77% | -8.74% | -14.26% | -19.19% | -3,245 bps | |
| Share Growth (YoY) | -11.32% | -20.22% | -18.23% | -19.60% | -15.20% | -6.45% | -6.96% | -2.27% | +1,733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.52% | 0.50% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.30% | 1.29% | 1.57% | 1.52% | 1.63% | 1.67% | 1.74% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.89% | 23.39% | 24.49% | 25.40% | 25.68% | 25.76% | 26.90% | 26.88% | +148 bps | |
| Net Worth / Assets | 21.89% | 23.39% | 24.49% | 25.40% | 25.68% | 25.76% | 26.90% | 26.88% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.19% | 78.91% | 80.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |