Duluth, MN · Charter 60750
NCUA · 1 branch
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 | 1.31% | 0.63% | 2.09% | 0.80% | 1.00% | 0.55% | 1.93% | 0.50% | -30 bps | |
| Return on Equity | 6.63% | 3.31% | 10.88% | 4.36% | 5.62% | 3.12% | 10.94% | 2.79% | -157 bps | |
| Net Interest Margin | 2.79% | 2.21% | 3.54% | 2.27% | 2.56% | 2.14% | 3.31% | 2.08% | -19 bps | |
| Efficiency Ratio | 54.03% | 72.06% | 41.12% | 64.87% | 61.15% | 74.13% | 41.55% | 76.21% | +1,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | -1.23% | 3.73% | 9.89% | 14.32% | 10.47% | 12.04% | 5.53% | -436 bps | |
| Loan Growth (YoY) | 4.54% | 7.22% | 4.00% | -3.81% | -4.46% | -8.84% | -8.79% | -11.84% | -803 bps | |
| Share Growth (YoY) | -2.20% | -2.27% | 3.71% | 11.26% | 17.19% | 12.17% | 14.13% | 6.24% | -503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.31% | +31 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 | 0.46% | 0.45% | 0.46% | 0.47% | 0.48% | 0.49% | 0.51% | 0.53% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.72% | 19.01% | 19.17% | 18.30% | 17.70% | 17.76% | 17.66% | 17.76% | -54 bps | |
| Net Worth / Assets | 19.72% | 19.01% | 19.17% | 18.30% | 17.70% | 17.76% | 17.66% | 17.76% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.08% | 53.95% | 51.61% | 48.20% | 44.09% | 43.85% | 41.24% | 40.00% | -820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |