Montevideo, MN · Charter 62419
NCUA · 4 branches
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
72
Asset Quality
7
Profitability
72
Liquidity
50
Efficiency
97
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.
Montevideo, MN · Charter 62419
NCUA · 4 branches
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 | 1.51% | 1.63% | 1.70% | 1.95% | 1.91% | +41 bps | |
| Return on Equity | 9.85% | 10.45% | 10.83% | 12.78% | 12.12% | +227 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.34% | 3.39% | 3.42% | +12 bps | |
| Efficiency Ratio | 53.71% | 51.66% | 51.96% | 49.81% | 48.10% | -561 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.78% | 6.53% | 6.84% | 9.70% | 10.04% | +425 bps | |
| Loan Growth (YoY) | 8.90% | 9.19% | 9.79% | 9.07% | 7.34% | -156 bps | |
| Share Growth (YoY) | 5.04% | 5.64% | 6.41% | 9.11% | 9.63% | +459 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 2.89% | 2.81% | 2.77% | 3.18% | +96 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 | 15.31% | 15.60% | 15.68% | 15.29% | 15.80% | +48 bps | |
| Net Worth / Assets | 15.31% | 15.60% | 15.68% | 15.29% | 15.80% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.37% | 84.33% | 81.90% | 77.48% | 80.65% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Montevideo, MN · Charter 62419 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.91%
Rank 90 of 1,683
Net Interest Margin
3.42%
Rank 1,187 of 1,683
Efficiency Ratio
48.11%
Rank 53 of 1,682
Equity / Assets
15.80%
Rank 470 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 0.35% | 0.74% | 1.18% | Beats 95% | 90 / 1,683 | |
| Return on Equity | 12.12% | 2.67% | 5.89% | 8.74% | Beats 92% | 134 / 1,681 | |
| Net Interest Margin | 3.42% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,187 / 1,683 | |
| Efficiency Ratio | 48.11% | 68.91% | 78.20% | 86.93% | Beats 97% | 53 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.18% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,564 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.80% | 10.44% | 12.89% | 16.53% | Beats 72% | 470 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.80% | 10.44% | 12.89% | 16.53% | Beats 72% | 470 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.65% | 52.61% | 69.38% | 83.50% | 70th pctl | 497 / 1,683 | |
| Loans / Assets | 67.24% | 44.71% | 59.18% | 70.72% | 67th pctl | 548 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||