Saint Paul, MN · Charter 60255
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.44% | 0.44% | 0.65% | 0.63% | +24 bps | |
| Return on Equity | 3.28% | 3.71% | 3.76% | 5.54% | 5.19% | +191 bps | |
| Net Interest Margin | 3.18% | 3.22% | 3.22% | 3.25% | 3.36% | +18 bps | |
| Efficiency Ratio | 84.16% | 81.89% | 81.82% | 80.09% | 80.10% | -406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.18% | -3.70% | -1.73% | -4.38% | 1.52% | +570 bps | |
| Loan Growth (YoY) | -2.89% | -1.62% | 0.63% | 1.59% | 3.48% | +637 bps | |
| Share Growth (YoY) | 2.43% | 2.98% | 2.54% | 0.37% | 0.50% | -194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.71% | 11.72% | 11.79% | 11.82% | 12.08% | +37 bps | |
| Net Worth / Assets | 11.71% | 11.72% | 11.79% | 11.82% | 12.08% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |