Red Lake Falls, MN · Charter 6144
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
100
Profitability
26
Liquidity
45
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Red Lake Falls, MN · Charter 6144
NCUA · 2 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 | 0.55% | 0.52% | 0.50% | 0.15% | 0.01% | -54 bps | |
| Return on Equity | 4.16% | 3.96% | 3.85% | 1.17% | 0.07% | -409 bps | |
| Net Interest Margin | 4.11% | 4.08% | 3.96% | 3.86% | 3.87% | -24 bps | |
| Efficiency Ratio | 88.05% | 88.51% | 88.71% | 96.42% | 99.50% | +1,144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | 2.44% | 8.49% | 4.38% | 4.21% | +302 bps | |
| Loan Growth (YoY) | 8.84% | 12.06% | 14.95% | 10.65% | 22.77% | +1,393 bps | |
| Share Growth (YoY) | 0.39% | 0.03% | 9.02% | 4.56% | 4.53% | +414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0 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 | 13.17% | 13.26% | 13.00% | 12.93% | 12.88% | -29 bps | |
| Net Worth / Assets | 13.17% | 13.26% | 13.00% | 12.93% | 12.88% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.67% | 77.92% | 77.45% | 75.28% | 81.82% | +1,216 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Red Lake Falls, MN · Charter 6144 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
3.88%
Rank 789 of 1,683
Efficiency Ratio
99.38%
Rank 1,551 of 1,682
Equity / Assets
12.88%
Rank 845 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | |
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 789 / 1,683 | |
| Efficiency Ratio | 99.38% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,551 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.88% | 10.44% | 12.89% | 16.53% | Beats 50% | 845 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.88% | 10.44% | 12.89% | 16.53% | Beats 50% | 845 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.83% | 52.61% | 69.38% | 83.50% | 73rd pctl | 459 / 1,683 | |
| Loans / Assets | 71.16% | 44.71% | 59.18% | 70.72% | 76th pctl | 402 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||