Cook, MN · Charter 60689
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 | 0.42% | 0.60% | 0.57% | 1.05% | 1.06% | +65 bps | |
| Return on Equity | 4.87% | 7.03% | 6.51% | 11.42% | 11.51% | +664 bps | |
| Net Interest Margin | 3.52% | 3.68% | 3.81% | 4.23% | 4.15% | +63 bps | |
| Efficiency Ratio | 91.13% | 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 / Loans | 0.17% | 0.24% | 0.00% | 0.19% | 0.00% | -16 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 | 8.54% | 8.53% | 8.83% | 9.19% | 9.21% | +68 bps | |
| Net Worth / Assets | 8.54% | 8.53% | 8.83% | 9.19% | 9.21% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.02% | 85.84% | 86.80% | 85.49% | 86.44% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |