Hibbing, MN · Charter 60164
NCUA · 1 branch
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 | 2.37% | 2.49% | 2.81% | 2.65% | 2.61% | 2.48% | 2.03% | 2.07% | -58 bps | |
| Return on Equity | 14.95% | 15.06% | 16.64% | 15.23% | 14.44% | 13.46% | 11.11% | 10.87% | -437 bps | |
| Net Interest Margin | 3.85% | 3.94% | 3.88% | 3.96% | 4.04% | 4.01% | 3.83% | 3.97% | +1 bps | |
| Efficiency Ratio | 43.58% | 43.03% | 39.87% | 40.66% | 42.07% | 44.27% | 51.58% | 51.41% | +1,075 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -2.24% | 0.52% | 3.23% | 2.87% | 3.71% | 5.32% | 3.04% | -19 bps | |
| Loan Growth (YoY) | 11.62% | 4.54% | 3.24% | 0.24% | -3.11% | -0.71% | -3.06% | -1.87% | -212 bps | |
| Share Growth (YoY) | -7.59% | -5.29% | -2.50% | 0.53% | 0.06% | 1.29% | 3.34% | 0.83% | +30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.81% | 0.68% | 0.55% | 0.56% | 1.39% | 0.93% | 0.90% | +35 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 | 15.86% | 16.55% | 16.86% | 17.41% | 18.08% | 18.44% | 18.24% | 19.08% | +166 bps | |
| Net Worth / Assets | 15.86% | 16.55% | 16.86% | 17.41% | 18.08% | 18.44% | 18.24% | 19.08% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.42% | 38.64% | 37.51% | 38.07% | 38.17% | 37.87% | 35.18% | 37.05% | -102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |