Blaine, MN · Charter 61824
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 | 0.20% | 0.13% | -0.69% | -0.40% | -0.19% | -0.29% | 0.39% | 0.48% | +88 bps | |
| Return on Equity | 2.05% | 1.34% | -7.60% | -4.25% | -2.00% | -3.13% | 4.30% | 5.00% | +925 bps | |
| Net Interest Margin | 4.15% | 4.16% | 4.09% | 4.28% | 4.49% | 4.53% | 4.49% | 4.75% | +46 bps | |
| Efficiency Ratio | 88.62% | 90.46% | 108.22% | 95.91% | 90.01% | 89.73% | 86.70% | 88.12% | -779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | 1.15% | -0.77% | -2.20% | -1.60% | -1.87% | -1.96% | -2.44% | -24 bps | |
| Loan Growth (YoY) | 6.13% | 5.06% | 0.05% | -1.40% | -2.50% | -9.05% | -1.14% | -4.52% | -312 bps | |
| Share Growth (YoY) | -0.86% | 1.15% | -0.74% | -2.30% | -1.51% | -1.65% | -2.10% | -2.77% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.41% | 0.94% | 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 | 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 | 9.52% | 9.34% | 9.10% | 9.33% | 9.40% | 9.13% | 9.18% | 9.61% | +28 bps | |
| Net Worth / Assets | 9.52% | 9.34% | 9.10% | 9.33% | 9.40% | 9.13% | 9.18% | 9.61% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.08% | 62.82% | 58.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |