Austin, MN · Charter 60798
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.45% | 0.42% | 1.03% | 0.88% | +60 bps | |
| Return on Equity | 2.76% | 4.36% | 4.15% | 10.25% | 8.28% | +552 bps | |
| Net Interest Margin | 3.71% | 3.73% | 3.69% | 3.68% | 3.89% | +17 bps | |
| Efficiency Ratio | 80.83% | 80.96% | 80.38% | 67.09% | 67.89% | -1,295 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.22% | 4.96% | 4.78% | 4.92% | 2.21% | -301 bps | |
| Loan Growth (YoY) | -0.57% | -3.20% | -3.51% | -3.60% | -3.13% | -256 bps | |
| Share Growth (YoY) | 4.91% | 4.58% | 4.01% | 4.39% | 1.58% | -333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.46% | 2.62% | 2.27% | 1.82% | 1.57% | -89 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 | 10.20% | 10.28% | 10.19% | 10.07% | 10.67% | +47 bps | |
| Net Worth / Assets | 10.20% | 10.28% | 10.19% | 10.07% | 10.67% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.35% | 74.15% | 72.36% | 69.52% | 72.81% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |