Saint Paul, MN · Charter 60255
NCUA · 13 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
69
Asset Quality
88
Profitability
35
Liquidity
17
Efficiency
16
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.
Saint Paul, MN · Charter 60255
NCUA · 13 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 | 0.43% | 0.27% | 0.29% | 0.38% | 0.44% | 0.44% | 0.65% | 0.63% | +24 bps | |
| Return on Equity | 3.86% | 2.43% | 2.65% | 3.28% | 3.71% | 3.76% | 5.54% | 5.19% | +191 bps | |
| Net Interest Margin | 2.86% | 2.93% | 2.88% | 3.18% | 3.22% | 3.22% | 3.25% | 3.36% | +18 bps | |
| Efficiency Ratio | 83.28% | 87.64% | 85.45% | 84.16% | 81.89% | 81.82% | 80.09% | 80.10% | -406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | -3.54% | 0.37% | -4.18% | -3.70% | -1.73% | -4.38% | 1.52% | +570 bps | |
| Loan Growth (YoY) | -4.80% | -5.75% | -4.48% | -2.89% | -1.62% | 0.63% | 1.59% | 3.48% | +637 bps | |
| Share Growth (YoY) | -4.53% | -2.72% | 0.63% | 2.43% | 2.98% | 2.54% | 0.37% | 0.50% | -194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.31% | 0.27% | 0.26% | 0.28% | 0.31% | 0.29% | 0.32% | +6 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 | 11.05% | 11.17% | 10.81% | 11.71% | 11.72% | 11.79% | 11.82% | 12.08% | +37 bps | |
| Net Worth / Assets | 11.05% | 11.17% | 10.81% | 11.71% | 11.72% | 11.79% | 11.82% | 12.08% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.53% | 68.11% | 65.07% | 66.79% | 66.43% | 66.84% | 65.86% | 68.77% | +198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 60255 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.63%
Rank 302 of 435
Net Interest Margin
3.36%
Rank 226 of 435
Efficiency Ratio
80.10%
Rank 365 of 435
Equity / Assets
12.08%
Rank 137 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.55% | 0.81% | 1.14% | Beats 31% | 302 / 435 | ||
| Return on Equity | 5.19% | 5.12% | 7.41% | 9.70% | Beats 27% | 319 / 435 | ||
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 48% | 226 / 435 | ||
| Efficiency Ratio | 80.10% | 65.25% | 71.39% | 77.86% | Beats 16% | 365 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.45% | 0.69% | 1.05% | Beats 88% | 53 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.08% | 9.81% | 10.84% | 12.63% | Beats 69% | 137 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.08% | 9.81% | 10.84% | 12.63% | Beats 69% | 137 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.77% | 78.33% | 88.38% | 95.61% | 12th pctl | 383 / 435 | ||
| Loans / Assets | 60.67% | 67.69% | 74.58% | 80.80% | 14th pctl | 373 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||