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Harbor Pointe

Duluth, MN · Charter 60207

NCUA · 3 branches

Q2 2026

$158.5MAssets
$131.0MLoans
$136.5MShares
$21.6MNet 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 1.44%, up 34 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 1.31% of loans (+110 bps YoY).
  • Capital: net worth / assets of 13.63%, up 51 bps from a year ago.
  • Funding: loans stand at 96.01% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.44%+34 bps YoY

Net Interest Margin (quarter, annualized)

4.14%+8 bps YoY

Efficiency Ratio (quarter, annualized)

69.45%-229 bps YoY

Net Worth / Assets

13.63%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.24%1.23%1.42%1.44%+34 bps
Return on Equity8.45%9.38%9.14%10.65%10.60%+215 bps
Net Interest Margin4.06%4.04%4.07%4.08%4.14%+8 bps
Efficiency Ratio71.74%70.19%70.80%70.74%69.45%-229 bps
Growth
Asset Growth (YoY)2.63%4.10%5.81%5.94%7.12%+449 bps
Loan Growth (YoY)7.61%6.42%7.46%8.50%6.53%-108 bps
Share Growth (YoY)1.11%2.91%4.85%5.06%6.31%+520 bps
Asset Quality
Delinquent Loans / Loans0.21%0.27%0.27%0.55%1.31%+110 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 Capital13.12%13.23%13.43%13.35%13.63%+51 bps
Net Worth / Assets13.12%13.23%13.43%13.35%13.63%+51 bps
Liquidity & Funding
Loans / Shares95.81%93.63%96.26%93.79%96.01%+20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps