Deer River, MN · Charter 60388
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.82% | 0.72% | 0.68% | 0.81% | +8 bps | |
| Return on Equity | 6.81% | 7.69% | 6.85% | 6.74% | 7.71% | +90 bps | |
| Net Interest Margin | 3.25% | 3.19% | 3.20% | 3.06% | 3.31% | +6 bps | |
| Efficiency Ratio | 78.13% | 75.17% | 78.24% | 79.00% | 76.85% | -128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.09% | 5.72% | 4.68% | 8.41% | 9.56% | +647 bps | |
| Loan Growth (YoY) | 5.37% | 4.31% | 3.31% | 2.31% | 4.55% | -83 bps | |
| Share Growth (YoY) | 3.49% | 5.40% | 4.27% | 8.49% | 9.80% | +631 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.05% | 0.08% | +8 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 | 10.75% | 10.64% | 10.52% | 10.07% | 10.53% | -22 bps | |
| Net Worth / Assets | 10.75% | 10.64% | 10.52% | 10.07% | 10.53% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.41% | 93.61% | 93.45% | 86.72% | 91.80% | -461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |