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Red Lake Co. Op

Red Lake Falls, MN · Charter 6144

NCUA · 2 branches

Q2 2026

$7.0MAssets
$5.0MLoans
$6.1MShares
$903KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.01%, down 54 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.88%, down 29 bps from a year ago.
  • Funding: loans stand at 81.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.01%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.87%-24 bps YoY

Efficiency Ratio (YTD, annualized)

99.50%+1,144 bps YoY

Net Worth / Assets

12.88%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.52%0.50%0.15%0.01%-54 bps
Return on Equity4.16%3.96%3.85%1.17%0.07%-409 bps
Net Interest Margin4.11%4.08%3.96%3.86%3.87%-24 bps
Efficiency Ratio88.05%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 / Loans0.00%0.05%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.17%13.26%13.00%12.93%12.88%-29 bps
Net Worth / Assets13.17%13.26%13.00%12.93%12.88%-29 bps
Liquidity & Funding
Loans / Shares69.67%77.92%77.45%75.28%81.82%+1,216 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps