PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City & County

Saint Paul, MN · Charter 60255

NCUA · 13 branches

Q2 2026

$1.2BAssets
$711.4MLoans
$1.0BShares
$141.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.63%, up 24 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.32% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.08%, up 37 bps from a year ago.
  • Funding: loans stand at 68.77% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+18 bps YoY

Efficiency Ratio (YTD, annualized)

80.10%-406 bps YoY

Net Worth / Assets

12.08%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.27%0.29%0.38%0.44%0.44%0.65%0.63%+24 bps
Return on Equity3.86%2.43%2.65%3.28%3.71%3.76%5.54%5.19%+191 bps
Net Interest Margin2.86%2.93%2.88%3.18%3.22%3.22%3.25%3.36%+18 bps
Efficiency Ratio83.28%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 / Loans0.36%0.31%0.27%0.26%0.28%0.31%0.29%0.32%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.05%11.17%10.81%11.71%11.72%11.79%11.82%12.08%+37 bps
Net Worth / Assets11.05%11.17%10.81%11.71%11.72%11.79%11.82%12.08%+37 bps
Liquidity & Funding
Loans / Shares69.53%68.11%65.07%66.79%66.43%66.84%65.86%68.77%+198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps