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Brainerd B. N.

Brainerd, MN · Charter 60436

NCUA · 1 branch

Q2 2026

$127.8MAssets
$63.5MLoans
$113.5MShares
$13.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, down 27 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.17% of loans (-16 bps YoY).
  • Capital: net worth / assets of 10.76%, down 33 bps from a year ago.
  • Funding: loans stand at 55.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-1 bps YoY

Efficiency Ratio (YTD, annualized)

85.07%+1,178 bps YoY

Net Worth / Assets

10.76%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.71%0.68%0.27%0.46%-27 bps
Return on Equity6.55%6.50%6.20%2.47%4.25%-230 bps
Net Interest Margin2.69%2.68%2.68%2.70%2.68%-1 bps
Efficiency Ratio73.28%74.51%76.04%93.85%85.07%+1,178 bps
Growth
Asset Growth (YoY)4.17%8.94%10.93%9.36%8.56%+439 bps
Loan Growth (YoY)4.19%7.97%8.01%7.22%4.23%+3 bps
Share Growth (YoY)3.91%8.61%10.67%9.88%8.82%+490 bps
Asset Quality
Delinquent Loans / Loans0.32%0.27%0.39%0.31%0.17%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.09%10.97%10.98%10.88%10.76%-33 bps
Net Worth / Assets11.09%10.97%10.98%10.88%10.76%-33 bps
Liquidity & Funding
Loans / Shares58.42%59.60%59.21%57.13%55.95%-246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps