Duluth, MN · Charter 60377
NCUA · 3 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 under $1B in assets in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
19
Profitability
30
Liquidity
100
Efficiency
81
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.
Duluth, MN · Charter 60377
NCUA · 3 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 | 0.99% | 0.77% | 1.35% | 1.27% | 1.05% | 1.18% | 1.26% | 1.34% | +7 bps | |
| Return on Equity | 7.37% | 5.91% | 9.91% | 9.13% | 7.52% | 8.27% | 9.28% | 9.14% | +1 bps | |
| Net Interest Margin | 2.90% | 2.83% | 3.21% | 3.35% | 3.38% | 3.41% | 3.11% | 3.31% | -4 bps | |
| Efficiency Ratio | 67.93% | 69.87% | 64.33% | 65.20% | 62.63% | 62.36% | 57.97% | 62.18% | -302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.82% | 8.68% | 3.39% | 3.00% | 2.77% | -0.82% | 8.83% | 3.33% | +33 bps | |
| Loan Growth (YoY) | 10.41% | 12.26% | 14.64% | 15.66% | 11.66% | 2.01% | -1.00% | -3.42% | -1,908 bps | |
| Share Growth (YoY) | 8.50% | 10.98% | 7.20% | 7.13% | 7.20% | 5.89% | 13.69% | 11.28% | +415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.30% | 0.18% | 0.21% | 0.37% | 0.72% | 0.95% | 1.92% | +171 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 | 13.45% | 12.98% | 13.62% | 13.90% | 13.93% | 14.26% | 13.62% | 14.66% | +77 bps | |
| Net Worth / Assets | 13.45% | 12.98% | 13.62% | 13.90% | 13.93% | 14.26% | 13.62% | 14.66% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.30% | 94.90% | 96.39% | 98.24% | 98.22% | 91.43% | 83.94% | 85.26% | -1,298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, MN · Charter 60377 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
1.34%
Rank 10 of 16
Net Interest Margin
3.31%
Rank 14 of 16
Efficiency Ratio
62.16%
Rank 4 of 16
Equity / Assets
14.66%
Rank 8 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.85% | 1.44% | 2.05% | Beats 38% | 10 / 16 | ||
| Return on Equity | 9.14% | 6.27% | 10.66% | 13.40% | Beats 38% | 10 / 16 | ||
| Net Interest Margin | 3.31% | 4.07% | 4.17% | 4.88% | Beats 13% | 14 / 16 | ||
| Efficiency Ratio | 62.16% | 63.01% | 70.37% | 80.78% | Beats 81% | 4 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.92% | 0.32% | 0.86% | 1.92% | Beats 19% | 14 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.66% | 13.43% | 14.66% | 16.97% | Beats 50% | 8 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.66% | 13.43% | 14.66% | 16.97% | Beats 50% | 8 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.26% | 67.52% | 85.26% | 93.00% | 50th pctl | 8 / 16 | ||
| Loans / Assets | 71.57% | 52.10% | 73.80% | 79.04% | 44th pctl | 9 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||