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 | |