Woodbury, MN · Charter 60466
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.97% | 0.90% | 0.52% | 0.75% | -14 bps | |
| Return on Equity | 6.77% | 7.27% | 6.73% | 3.98% | 5.67% | -110 bps | |
| Net Interest Margin | 3.20% | 3.21% | 3.27% | 3.26% | 3.36% | +16 bps | |
| Efficiency Ratio | 72.48% | 72.43% | 74.37% | 75.96% | 75.36% | +288 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | 5.44% | 5.19% | 4.53% | 4.81% | -145 bps | |
| Loan Growth (YoY) | -4.19% | -1.36% | 0.53% | -0.35% | 2.64% | +683 bps | |
| Share Growth (YoY) | 5.75% | 4.79% | 6.44% | 3.30% | 5.17% | -58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.16% | 13.30% | 13.37% | 13.18% | 13.31% | +15 bps | |
| Net Worth / Assets | 13.16% | 13.30% | 13.37% | 13.18% | 13.31% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |