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North Star

Cook, MN · Charter 60689

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Duluth, MN-WI area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Star

Cook, MN · Charter 60689

NCUA · 5 branches

Q2 2026

$116.0MAssets
$90.1MLoans
$104.3MShares
$10.7MNet 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 1.06%, up 65 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (-16 bps YoY).
  • Capital: net worth / assets of 9.21%, up 68 bps from a year ago.
  • Funding: loans stand at 86.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+65 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+63 bps YoY

Efficiency Ratio (YTD, annualized)

76.21%-1,492 bps YoY

Net Worth / Assets

9.21%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.60%0.57%1.05%1.06%+65 bps
Return on Equity4.87%7.03%6.51%11.42%11.51%+664 bps
Net Interest Margin3.52%3.68%3.81%4.23%4.15%+63 bps
Efficiency Ratio91.13%85.91%87.07%78.69%76.21%-1,492 bps
Growth
Asset Growth (YoY)8.83%10.56%6.17%3.47%4.77%-406 bps
Loan Growth (YoY)5.62%3.00%-0.24%-1.16%0.57%-505 bps
Share Growth (YoY)10.87%11.30%5.95%2.51%4.73%-615 bps
Asset Quality
Delinquent Loans / Loans0.17%0.24%0.00%0.19%0.00%-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 Capital8.54%8.53%8.83%9.19%9.21%+68 bps
Net Worth / Assets8.54%8.53%8.83%9.19%9.21%+68 bps
Liquidity & Funding
Loans / Shares90.02%85.84%86.80%85.49%86.44%-358 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Star

Cook, MN · Charter 60689 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)

NCUA · 5 branches

Q2 2026

$116.0MAssets
$90.1MLoans
$104.3MShares
$10.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 3 of 16).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 16 of 16).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

1.06%

Rank 11 of 16

Net Interest Margin

4.15%

Rank 9 of 16

Efficiency Ratio

76.19%

Rank 10 of 16

Equity / Assets

9.21%

Rank 16 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.85%1.44%2.05%Beats 31%11 / 16
Return on Equity11.51%6.27%10.66%13.40%Beats 63%6 / 16
Net Interest Margin4.15%4.07%4.17%4.88%Beats 44%9 / 16
Efficiency Ratio76.19%63.01%70.37%80.78%Beats 44%10 / 16
Asset Quality
Nonperforming Loans / Loans0.00%0.32%0.86%1.92%Beats 87%3 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.21%13.43%14.66%16.97%Beats 0%16 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.21%13.43%14.66%16.97%Beats 0%16 / 16
Liquidity & Funding
Loans / Deposits86.44%67.52%85.26%93.00%56th pctl7 / 16
Loans / Assets77.72%52.10%73.80%79.04%63rd pctl6 / 16
Brokered Deposits / Depositsn/aNot reported for this institution