Blaine, MN · Charter 61824
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 | -0.40% | -0.19% | -0.29% | 0.39% | 0.48% | +88 bps | |
| Return on Equity | -4.25% | -2.00% | -3.13% | 4.30% | 5.00% | +925 bps | |
| Net Interest Margin | 4.28% | 4.49% | 4.53% | 4.49% | 4.75% | +46 bps | |
| Efficiency Ratio | 95.91% | 90.01% | 89.73% | 86.70% | 88.12% | -779 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -1.60% | -1.87% | -1.96% | -2.44% | -24 bps | |
| Loan Growth (YoY) | -1.40% | -2.50% | -9.05% | -1.14% | -4.52% | -312 bps | |
| Share Growth (YoY) | -2.30% | -1.51% | -1.65% | -2.10% | -2.77% | -47 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.80% | 0.79% | 0.83% | 0.43% | -6 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 | 9.33% | 9.40% | 9.13% | 9.18% | 9.61% | +28 bps | |
| Net Worth / Assets | 9.33% | 9.40% | 9.13% | 9.18% | 9.61% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.96% | 61.46% | 58.09% | 59.50% | 60.85% | -112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |