Duluth, MN · Charter 60216
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
11
Profitability
69
Liquidity
32
Efficiency
44
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 60216
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.55% | 0.56% | 0.63% | 1.06% | +66 bps | |
| Return on Equity | 3.95% | 5.47% | 5.53% | 6.18% | 9.79% | +583 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.20% | 3.41% | 3.56% | +45 bps | |
| Efficiency Ratio | 75.46% | 75.31% | 77.48% | 73.82% | 73.12% | -234 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.52% | 1.82% | 1.93% | 3.57% | 0.85% | -68 bps | |
| Loan Growth (YoY) | -0.12% | 1.61% | 1.00% | 0.46% | 1.30% | +142 bps | |
| Share Growth (YoY) | 0.15% | 1.38% | 2.90% | 4.12% | 3.24% | +309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.36% | 1.53% | 1.56% | 1.33% | 1.49% | +13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 10.13% | 10.19% | 10.17% | 10.80% | +81 bps | |
| Net Worth / Assets | 9.99% | 10.13% | 10.19% | 10.17% | 10.80% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.71% | 99.26% | 97.05% | 95.58% | 97.84% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, MN · Charter 60216 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
1.06%
Rank 131 of 435
Net Interest Margin
3.56%
Rank 165 of 435
Efficiency Ratio
73.12%
Rank 244 of 435
Equity / Assets
10.80%
Rank 226 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.55% | 0.81% | 1.14% | Beats 70% | 131 / 435 | |
| Return on Equity | 9.79% | 5.12% | 7.41% | 9.70% | Beats 76% | 106 / 435 | |
| Net Interest Margin | 3.56% | 3.01% | 3.39% | 3.75% | Beats 62% | 165 / 435 | |
| Efficiency Ratio | 73.12% | 65.25% | 71.39% | 77.86% | Beats 44% | 244 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 0.45% | 0.69% | 1.05% | Beats 11% | 388 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.80% | 9.81% | 10.84% | 12.63% | Beats 48% | 226 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.80% | 9.81% | 10.84% | 12.63% | Beats 48% | 226 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.84% | 78.33% | 88.38% | 95.61% | 80th pctl | 88 / 435 | |
| Loans / Assets | 81.45% | 67.69% | 74.58% | 80.80% | 79th pctl | 92 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||