Bloomington, MN · Charter 60125
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |