Montevideo, MN · Charter 62419
NCUA · 4 branches
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 | 1.23% | 1.18% | 1.43% | 1.51% | 1.63% | 1.70% | 1.95% | 1.91% | +41 bps | |
| Return on Equity | 8.20% | 7.91% | 9.65% | 9.85% | 10.45% | 10.83% | 12.78% | 12.12% | +227 bps | |
| Net Interest Margin | 2.77% | 2.79% | 3.19% | 3.30% | 3.35% | 3.34% | 3.39% | 3.42% | +12 bps | |
| Efficiency Ratio | 61.23% | 62.37% | 55.60% | 53.71% | 51.66% | 51.96% | 49.81% | 48.10% | -561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.87% | 4.30% | 5.50% | 5.78% | 6.53% | 6.84% | 9.70% | 10.04% | +425 bps | |
| Loan Growth (YoY) | 8.42% | 6.62% | 7.92% | 8.90% | 9.19% | 9.79% | 9.07% | 7.34% | -156 bps | |
| Share Growth (YoY) | 5.32% | 5.07% | 5.06% | 5.04% | 5.64% | 6.41% | 9.11% | 9.63% | +459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.59% | 2.04% | 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 | 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 | 15.03% | 14.94% | 14.84% | 15.31% | 15.60% | 15.68% | 15.29% | 15.80% | +48 bps | |
| Net Worth / Assets | 15.03% | 14.94% | 14.84% | 15.31% | 15.60% | 15.68% | 15.29% | 15.80% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.59% | 79.38% | 77.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |