Bloomington, MN · Charter 60125
NCUA · 4 branches
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 Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
20
Profitability
45
Liquidity
0
Efficiency
36
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 60125
NCUA · 4 branches
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 | 0.14% | 0.18% | -0.56% | -0.30% | -0.12% | -0.32% | 0.03% | 0.14% | +44 bps | |
| Return on Equity | 1.45% | 1.93% | -6.08% | -3.22% | -1.27% | -3.28% | 0.33% | 1.45% | +468 bps | |
| Net Interest Margin | 3.47% | 3.45% | 3.37% | 3.54% | 3.55% | 3.73% | 3.65% | 3.69% | +15 bps | |
| Efficiency Ratio | 96.94% | 96.75% | 107.89% | 100.12% | 95.55% | 97.19% | 94.99% | 92.48% | -764 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.50% | -2.53% | -0.78% | -1.69% | -1.35% | -5.20% | -2.56% | -1.52% | +17 bps | |
| Loan Growth (YoY) | -3.34% | -3.83% | -2.00% | -2.66% | -2.34% | -2.97% | -4.98% | -3.97% | -131 bps | |
| Share Growth (YoY) | -0.44% | 0.35% | 2.98% | 2.40% | 0.82% | -1.14% | -2.80% | -1.49% | -388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.36% | 0.27% | 0.52% | 0.87% | 1.62% | 0.80% | 1.23% | +71 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.41% | 9.49% | 9.23% | 9.42% | 9.50% | 9.66% | 9.29% | 9.44% | +3 bps | |
| Net Worth / Assets | 9.41% | 9.49% | 9.23% | 9.42% | 9.50% | 9.66% | 9.29% | 9.44% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.06% | 97.20% | 94.29% | 95.37% | 96.92% | 95.40% | 92.18% | 92.96% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, MN · Charter 60125 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 4 branches
Q2 2026
Return on Assets
0.14%
Rank 15 of 25
Net Interest Margin
3.69%
Rank 11 of 25
Efficiency Ratio
92.49%
Rank 17 of 25
Equity / Assets
9.44%
Rank 24 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | -0.29% | 0.38% | 0.84% | Beats 40% | 15 / 25 | ||
| Return on Equity | 1.45% | -1.54% | 3.43% | 5.67% | Beats 40% | 15 / 25 | ||
| Net Interest Margin | 3.69% | 3.36% | 3.62% | 4.13% | Beats 56% | 11 / 25 | ||
| Efficiency Ratio | 92.49% | 75.76% | 88.22% | 93.38% | Beats 36% | 17 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.29% | 0.62% | 1.02% | Beats 20% | 21 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.44% | 10.07% | 11.51% | 14.55% | Beats 4% | 24 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.44% | 10.07% | 11.51% | 14.55% | Beats 4% | 24 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.96% | 59.49% | 71.17% | 86.44% | 88th pctl | 3 / 25 | ||
| Loans / Assets | 83.40% | 53.45% | 61.94% | 76.61% | 92nd pctl | 2 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||