Brainerd, MN · Charter 60436
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.79% | 0.82% | 0.73% | 0.71% | 0.68% | 0.27% | 0.46% | -27 bps | |
| Return on Equity | 7.40% | 6.88% | 7.29% | 6.55% | 6.50% | 6.20% | 2.47% | 4.25% | -230 bps | |
| Net Interest Margin | 2.77% | 2.76% | 2.82% | 2.69% | 2.68% | 2.68% | 2.70% | 2.68% | -1 bps | |
| Efficiency Ratio | 71.54% | 72.12% | 70.35% | 73.28% | 74.51% | 76.04% | 93.85% | 85.07% | +1,178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.67% | 6.78% | 7.38% | 4.17% | 8.94% | 10.93% | 9.36% | 8.56% | +439 bps | |
| Loan Growth (YoY) | 6.99% | 6.52% | 3.85% | 4.19% | 7.97% | 8.01% | 7.22% | 4.23% | +3 bps | |
| Share Growth (YoY) | 9.94% | 6.70% | 7.50% | 3.91% | 8.61% | 10.67% | 9.88% | 8.82% | +490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.32% | 0.04% | 0.32% | 0.27% | 0.39% | 0.31% | 0.17% | -16 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 | 11.21% | 11.42% | 11.30% | 11.09% | 10.97% | 10.98% | 10.88% | 10.76% | -33 bps | |
| Net Worth / Assets | 11.21% | 11.42% | 11.30% | 11.09% | 10.97% | 10.98% | 10.88% | 10.76% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.95% | 60.67% | 58.55% | 58.42% | 59.60% | 59.21% | 57.13% | 55.95% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |