Duluth, MN · Charter 60207
NCUA · 3 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 Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
31
Profitability
44
Liquidity
0
Efficiency
56
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.
Duluth, MN · Charter 60207
NCUA · 3 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 | 1.01% | 1.22% | 0.80% | 1.11% | 1.24% | 1.23% | 1.42% | 1.44% | +34 bps | |
| Return on Equity | 8.22% | 9.48% | 6.29% | 8.45% | 9.38% | 9.14% | 10.65% | 10.60% | +215 bps | |
| Net Interest Margin | 3.81% | 3.91% | 3.89% | 4.06% | 4.04% | 4.07% | 4.08% | 4.14% | +8 bps | |
| Efficiency Ratio | 69.88% | 71.58% | 74.22% | 71.74% | 70.19% | 70.80% | 70.74% | 69.45% | -229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.67% | -1.48% | 1.08% | 2.63% | 4.10% | 5.81% | 5.94% | 7.12% | +449 bps | |
| Loan Growth (YoY) | -0.29% | 0.83% | 2.37% | 7.61% | 6.42% | 7.46% | 8.50% | 6.53% | -108 bps | |
| Share Growth (YoY) | -4.83% | -3.21% | -0.45% | 1.11% | 2.91% | 4.85% | 5.06% | 6.31% | +520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.25% | 0.25% | 0.21% | 0.27% | 0.27% | 0.55% | 1.31% | +110 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 | 12.35% | 12.91% | 12.70% | 13.12% | 13.23% | 13.43% | 13.35% | 13.63% | +51 bps | |
| Net Worth / Assets | 12.35% | 12.91% | 12.70% | 13.12% | 13.23% | 13.43% | 13.35% | 13.63% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.55% | 93.92% | 90.82% | 95.81% | 93.63% | 96.26% | 93.79% | 96.01% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, MN · Charter 60207 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
1.44%
Rank 8 of 16
Net Interest Margin
4.14%
Rank 10 of 16
Efficiency Ratio
69.45%
Rank 8 of 16
Equity / Assets
13.63%
Rank 11 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.85% | 1.44% | 2.05% | Beats 50% | 8 / 16 | ||
| Return on Equity | 10.60% | 6.27% | 10.66% | 13.40% | Beats 44% | 9 / 16 | ||
| Net Interest Margin | 4.14% | 4.07% | 4.17% | 4.88% | Beats 38% | 10 / 16 | ||
| Efficiency Ratio | 69.45% | 63.01% | 70.37% | 80.78% | Beats 56% | 8 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.32% | 0.86% | 1.92% | Beats 31% | 12 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.63% | 13.43% | 14.66% | 16.97% | Beats 31% | 11 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.63% | 13.43% | 14.66% | 16.97% | Beats 31% | 11 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.01% | 67.52% | 85.26% | 93.00% | 88th pctl | 2 / 16 | ||
| Loans / Assets | 82.67% | 52.10% | 73.80% | 79.04% | 94th pctl | 1 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||