Accentra
Austin, MN · Charter 60798 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$208.2MAssets
$135.7MLoans
$186.4MShares
$22.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of credit unions under $1B in assets (rank 392 of 1682).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets (rank 1354 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.88%
Rank 700 of 1,683
Net Interest Margin
3.89%
Rank 777 of 1,683
Efficiency Ratio
67.88%
Rank 392 of 1,682
Equity / Assets
10.67%
Rank 1,225 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.35% | 0.74% | 1.18% | Beats 58% | 700 / 1,683 | |
| Return on Equity | 8.28% | 2.67% | 5.89% | 8.74% | Beats 72% | 474 / 1,681 | |
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 777 / 1,683 | |
| Efficiency Ratio | 67.88% | 68.91% | 78.20% | 86.93% | Beats 77% | 392 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,354 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.67% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,225 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.67% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,225 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.81% | 52.61% | 69.38% | 83.50% | 57th pctl | 731 / 1,683 | |
| Loans / Assets | 65.17% | 44.71% | 59.18% | 70.72% | 63rd pctl | 626 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |