Woodbury, MN · Charter 60466
NCUA · 5 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 Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
48
Profitability
53
Liquidity
49
Efficiency
80
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.
Woodbury, MN · Charter 60466
NCUA · 5 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 | 1.07% | 1.03% | 0.71% | 0.89% | 0.97% | 0.90% | 0.52% | 0.75% | -14 bps | |
| Return on Equity | 8.18% | 7.77% | 5.46% | 6.77% | 7.27% | 6.73% | 3.98% | 5.67% | -110 bps | |
| Net Interest Margin | 3.23% | 3.22% | 3.17% | 3.20% | 3.21% | 3.27% | 3.26% | 3.36% | +16 bps | |
| Efficiency Ratio | 71.06% | 71.54% | 75.30% | 72.48% | 72.43% | 74.37% | 75.96% | 75.36% | +288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 3.87% | 4.69% | 6.26% | 5.44% | 5.19% | 4.53% | 4.81% | -145 bps | |
| Loan Growth (YoY) | -0.84% | -1.83% | -1.80% | -4.19% | -1.36% | 0.53% | -0.35% | 2.64% | +683 bps | |
| Share Growth (YoY) | 0.73% | 2.60% | 3.40% | 5.75% | 4.79% | 6.44% | 3.30% | 5.17% | -58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.37% | 0.41% | 0.37% | 0.41% | 0.42% | 0.53% | 0.62% | +25 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 | 13.11% | 13.21% | 12.98% | 13.16% | 13.30% | 13.37% | 13.18% | 13.31% | +15 bps | |
| Net Worth / Assets | 13.11% | 13.21% | 12.98% | 13.16% | 13.30% | 13.37% | 13.18% | 13.31% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.93% | 88.28% | 84.66% | 84.18% | 84.65% | 83.38% | 81.66% | 82.16% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woodbury, MN · Charter 60466 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 5 branches
Q2 2026
Return on Assets
0.75%
Rank 8 of 25
Net Interest Margin
3.36%
Rank 20 of 25
Efficiency Ratio
75.37%
Rank 6 of 25
Equity / Assets
13.31%
Rank 9 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | -0.29% | 0.38% | 0.84% | Beats 68% | 8 / 25 | ||
| Return on Equity | 5.67% | -1.54% | 3.43% | 5.67% | Beats 72% | 7 / 25 | ||
| Net Interest Margin | 3.36% | 3.36% | 3.62% | 4.13% | Beats 20% | 20 / 25 | ||
| Efficiency Ratio | 75.37% | 75.76% | 88.22% | 93.38% | Beats 80% | 6 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.29% | 0.62% | 1.02% | Beats 48% | 14 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.31% | 10.07% | 11.51% | 14.55% | Beats 64% | 9 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.31% | 10.07% | 11.51% | 14.55% | Beats 64% | 9 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.16% | 59.49% | 71.17% | 86.44% | 64th pctl | 9 / 25 | ||
| Loans / Assets | 72.12% | 53.45% | 61.94% | 76.61% | 60th pctl | 10 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||