PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

My

Bloomington, MN · Charter 60125

NCUA · 4 branches

Q2 2026

$366.4MAssets
$305.6MLoans
$328.7MShares
$34.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.14%, up 44 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.23% of loans (+71 bps YoY).
  • Capital: net worth / assets of 9.44%, up 3 bps from a year ago.
  • Funding: loans stand at 92.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+15 bps YoY

Efficiency Ratio (YTD, annualized)

92.48%-764 bps YoY

Net Worth / Assets

9.44%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.30%-0.12%-0.32%0.03%0.14%+44 bps
Return on Equity-3.22%-1.27%-3.28%0.33%1.45%+468 bps
Net Interest Margin3.54%3.55%3.73%3.65%3.69%+15 bps
Efficiency Ratio100.12%95.55%97.19%94.99%92.48%-764 bps
Growth
Asset Growth (YoY)-1.69%-1.35%-5.20%-2.56%-1.52%+17 bps
Loan Growth (YoY)-2.66%-2.34%-2.97%-4.98%-3.97%-131 bps
Share Growth (YoY)2.40%0.82%-1.14%-2.80%-1.49%-388 bps
Asset Quality
Delinquent Loans / Loans0.52%0.87%1.62%0.80%1.23%+71 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.42%9.50%9.66%9.29%9.44%+3 bps
Net Worth / Assets9.42%9.50%9.66%9.29%9.44%+3 bps
Liquidity & Funding
Loans / Shares95.37%96.92%95.40%92.18%92.96%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps