Virginia, MN · Charter 61257
NCUA · 5 branches
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 | 1.44% | 1.54% | 1.83% | 1.75% | 1.62% | 1.54% | 2.54% | 2.05% | +31 bps | |
| Return on Equity | 11.55% | 12.48% | 13.06% | 12.05% | 10.89% | 12.48% | 16.24% | 13.17% | +112 bps | |
| Net Interest Margin | 4.79% | 4.69% | 5.32% | 5.45% | 5.57% | 4.69% | 5.84% | 5.68% | +23 bps | |
| Efficiency Ratio | 63.77% | 62.67% | 63.35% | 65.57% | 65.30% | 62.67% | 61.36% | 67.10% | +153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 9.12% | 4.01% | 4.76% | 1.18% | 0.00% | -1.67% | 2.14% | -263 bps | |
| Loan Growth (YoY) | 8.88% | 7.63% | 7.39% | 6.05% | 3.15% | 0.00% | 2.72% | 3.05% | -300 bps | |
| Share Growth (YoY) | 7.56% | 15.99% | 12.47% | 13.57% | 6.51% | 0.00% | -5.09% | -0.52% | -1,409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.85% | 3.85% | 2.43% | 3.89% | 3.35% | 3.85% | 3.06% | 4.18% | +29 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.42% | 12.33% | 13.98% | 14.49% | 14.92% | 12.33% | 15.66% | 15.60% | +110 bps | |
| Net Worth / Assets | 12.42% | 12.33% | 13.98% | 14.49% | 14.92% | 12.33% | 15.66% | 15.60% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.33% | 89.59% | 89.56% | 91.37% | 94.26% | 89.59% | 96.93% | 94.64% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |