Duluth, MN · Charter 60216
NCUA · 12 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 | 0.39% | 0.40% | 0.49% | 0.39% | 0.55% | 0.56% | 0.63% | 1.06% | +66 bps | |
| Return on Equity | 3.95% | 4.05% | 4.98% | 3.95% | 5.47% | 5.53% | 6.18% | 9.79% | +583 bps | |
| Net Interest Margin | 2.79% | 2.80% | 3.04% | 3.11% | 3.16% | 3.20% | 3.41% | 3.56% | +45 bps | |
| Efficiency Ratio | 81.26% | 80.80% | 83.32% | 75.46% | 75.31% | 77.48% | 73.82% | 73.12% | -234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.71% | -3.65% | -2.51% | 1.52% | 1.82% | 1.93% | 3.57% | 0.85% | -68 bps | |
| Loan Growth (YoY) | -1.69% | -1.45% | -0.52% | -0.12% | 1.61% | 1.00% | 0.46% | 1.30% | +142 bps | |
| Share Growth (YoY) | -4.07% | -2.88% | -0.70% | 0.15% | 1.38% | 2.90% | 4.12% | 3.24% | +309 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 1.80% | 1.34% | 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 | 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 | 9.79% | 9.82% | 9.92% | 9.99% | 10.13% | 10.19% | 10.17% | 10.80% | +81 bps | |
| Net Worth / Assets | 9.79% | 9.82% | 9.92% | 9.99% | 10.13% | 10.19% | 10.17% | 10.80% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.04% | 98.88% | 99.07% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |