PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Red Wing

Red Wing, MN · Charter 61778

NCUA · 1 branch

Q2 2026

$208.0MAssets
$111.3MLoans
$184.7MShares
$26.0MNet 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 1.20%, up 15 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.30% of loans (-1 bps YoY).
  • Capital: net worth / assets of 12.50%, up 94 bps from a year ago.
  • Funding: loans stand at 60.25% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.20%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+32 bps YoY

Efficiency Ratio (quarter, annualized)

67.64%-151 bps YoY

Net Worth / Assets

12.50%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.11%1.08%1.27%1.20%+15 bps
Return on Equity9.04%9.38%8.97%10.40%9.60%+56 bps
Net Interest Margin2.97%3.06%3.12%3.24%3.29%+32 bps
Efficiency Ratio69.15%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 / Loans0.32%0.28%0.35%0.36%0.30%-1 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 Capital11.56%11.81%12.08%12.24%12.50%+94 bps
Net Worth / Assets11.56%11.81%12.08%12.24%12.50%+94 bps
Liquidity & Funding
Loans / Shares58.39%58.59%58.45%58.01%60.25%+186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps