Red Wing, MN · Charter 61778
NCUA · 1 branch
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 | 1.21% | 1.09% | 0.91% | 1.05% | 1.11% | 1.08% | 1.27% | 1.20% | +15 bps | |
| Return on Equity | 10.07% | 9.18% | 7.92% | 9.04% | 9.38% | 8.97% | 10.40% | 9.60% | +56 bps | |
| Net Interest Margin | 2.88% | 2.82% | 2.91% | 2.97% | 3.06% | 3.12% | 3.24% | 3.29% | +32 bps | |
| Efficiency Ratio | 66.13% | 68.45% | 71.66% | 69.15% | 67.82% | 68.66% | 65.92% | 67.64% | -151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 12.45% | 14.72% | 14.23% | 11.14% | 8.13% | 3.70% | 1.88% | -1,235 bps | |
| Loan Growth (YoY) | 1.02% | 1.48% | 3.59% | 4.00% | 4.05% | 3.25% | 3.22% | 3.73% | -28 bps | |
| Share Growth (YoY) | 6.87% | 10.65% | 14.22% | 13.54% | 10.82% | 6.28% | 2.18% | 0.52% | -1,302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.33% | 0.37% | 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 | 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 | 11.99% | 11.89% | 11.48% | 11.56% | 11.81% | 12.08% | 12.24% | 12.50% | +94 bps | |
| Net Worth / Assets | 11.99% | 11.89% | 11.48% | 11.56% | 11.81% | 12.08% | 12.24% | 12.50% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.41% | 60.17% | 57.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |