Duluth, MN · Charter 60242
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.97% | -0.76% | 0.22% | 1.25% | 1.27% | 0.86% | 0.84% | +62 bps | |
| Return on Equity | 4.22% | 8.13% | -6.27% | 1.70% | 9.67% | 9.60% | 6.62% | 6.28% | +458 bps | |
| Net Interest Margin | 4.05% | 4.17% | 4.27% | 4.53% | 4.47% | 4.45% | 3.99% | 4.17% | -37 bps | |
| Efficiency Ratio | 75.75% | 69.06% | 74.68% | 76.15% | 75.18% | 72.80% | 80.27% | 81.48% | +533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 2.87% | -0.58% | -3.32% | -2.19% | -0.01% | 2.59% | 5.05% | +837 bps | |
| Loan Growth (YoY) | 3.93% | 4.69% | 6.01% | 2.86% | 2.91% | 0.69% | -1.03% | 0.32% | -254 bps | |
| Share Growth (YoY) | -1.48% | 1.63% | -3.02% | -5.07% | -3.33% | -0.73% | 1.51% | 3.80% | +887 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 0.59% | 0.36% | 1.22% | 1.83% | 1.31% | 1.87% | 2.77% | +154 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 | 11.34% | 11.88% | 12.19% | 12.99% | 12.90% | 13.26% | 12.99% | 13.43% | +44 bps | |
| Net Worth / Assets | 11.34% | 11.88% | 12.19% | 12.99% | 12.90% | 13.26% | 12.99% | 13.43% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.15% | 76.82% | 75.84% | 79.07% | 77.88% | 77.92% | 73.94% | 76.42% | -265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |