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 | |