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Share Advantage

Duluth, MN · Charter 60242

NCUA · 2 branches

Q2 2026

$57.5MAssets
$37.6MLoans
$49.2MShares
$7.7MNet 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 0.84%, up 62 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 2.77% of loans (+154 bps YoY).
  • Capital: net worth / assets of 13.43%, up 44 bps from a year ago.
  • Funding: loans stand at 76.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-37 bps YoY

Efficiency Ratio (YTD, annualized)

81.48%+533 bps YoY

Net Worth / Assets

13.43%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%1.25%1.27%0.86%0.84%+62 bps
Return on Equity1.70%9.67%9.60%6.62%6.28%+458 bps
Net Interest Margin4.53%4.47%4.45%3.99%4.17%-37 bps
Efficiency Ratio76.15%75.18%72.80%80.27%81.48%+533 bps
Growth
Asset Growth (YoY)-3.32%-2.19%-0.01%2.59%5.05%+837 bps
Loan Growth (YoY)2.86%2.91%0.69%-1.03%0.32%-254 bps
Share Growth (YoY)-5.07%-3.33%-0.73%1.51%3.80%+887 bps
Asset Quality
Delinquent Loans / Loans1.22%1.83%1.31%1.87%2.77%+154 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 Capital12.99%12.90%13.26%12.99%13.43%+44 bps
Net Worth / Assets12.99%12.90%13.26%12.99%13.43%+44 bps
Liquidity & Funding
Loans / Shares79.07%77.88%77.92%73.94%76.42%-265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps