Red Lake Falls, MN · Charter 6144
NCUA · 2 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 | 0.84% | 0.83% | 0.66% | 0.55% | 0.52% | 0.50% | 0.15% | 0.01% | -54 bps | |
| Return on Equity | 6.44% | 6.09% | 5.06% | 4.16% | 3.96% | 3.85% | 1.17% | 0.07% | -409 bps | |
| Net Interest Margin | 4.07% | 4.26% | 4.22% | 4.11% | 4.08% | 3.96% | 3.86% | 3.87% | -24 bps | |
| Efficiency Ratio | 77.66% | 76.59% | 85.88% | 88.05% | 88.51% | 88.71% | 96.42% | 99.50% | +1,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.21% | -7.70% | -1.39% | 1.18% | 2.44% | 8.49% | 4.38% | 4.21% | +302 bps | |
| Loan Growth (YoY) | 5.87% | 3.04% | 7.01% | 8.84% | 12.06% | 14.95% | 10.65% | 22.77% | +1,393 bps | |
| Share Growth (YoY) | -10.14% | -9.65% | -2.74% | 0.39% | 0.03% | 9.02% | 4.56% | 4.53% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 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 | 13.00% | 13.56% | 13.10% | 13.17% | 13.26% | 13.00% | 12.93% | 12.88% | -29 bps | |
| Net Worth / Assets | 13.00% | 13.56% | 13.10% | 13.17% | 13.26% | 13.00% | 12.93% | 12.88% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.56% | 73.45% | 71.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |