Red Wing, MN · Charter 61778
NCUA · 1 branch
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
46
Asset Quality
72
Profitability
60
Liquidity
70
Efficiency
77
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 Wing, MN · Charter 61778
NCUA · 1 branch
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 | 1.05% | 1.11% | 1.08% | 1.27% | 1.20% | +15 bps | |
| Return on Equity | 9.04% | 9.38% | 8.97% | 10.40% | 9.60% | +56 bps | |
| Net Interest Margin | 2.97% | 3.06% | 3.12% | 3.24% | 3.29% | +32 bps | |
| Efficiency Ratio | 69.15% | 67.82% | 68.66% | 65.92% | 67.64% | -151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.23% | 11.14% | 8.13% | 3.70% | 1.88% | -1,235 bps | |
| Loan Growth (YoY) | 4.00% | 4.05% | 3.25% | 3.22% | 3.73% | -28 bps | |
| Share Growth (YoY) | 13.54% | 10.82% | 6.28% | 2.18% | 0.52% | -1,302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.28% | 0.35% | 0.36% | 0.30% | -1 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 | 11.56% | 11.81% | 12.08% | 12.24% | 12.50% | +94 bps | |
| Net Worth / Assets | 11.56% | 11.81% | 12.08% | 12.24% | 12.50% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.39% | 58.59% | 58.45% | 58.01% | 60.25% | +186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Red Wing, MN · Charter 61778 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 401 of 1,683
Net Interest Margin
3.29%
Rank 1,279 of 1,683
Efficiency Ratio
67.64%
Rank 381 of 1,682
Equity / Assets
12.50%
Rank 911 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 401 / 1,683 | |
| Return on Equity | 9.60% | 2.67% | 5.89% | 8.74% | Beats 81% | 324 / 1,681 | |
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,279 / 1,683 | |
| Efficiency Ratio | 67.64% | 68.91% | 78.20% | 86.93% | Beats 77% | 381 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 470 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.50% | 10.44% | 12.89% | 16.53% | Beats 46% | 911 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.50% | 10.44% | 12.89% | 16.53% | Beats 46% | 911 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.25% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,095 / 1,683 | |
| Loans / Assets | 53.49% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,013 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||