Hopkins, MN · Charter 62726
NCUA · 3 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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
12
Profitability
59
Liquidity
45
Efficiency
76
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.
Hopkins, MN · Charter 62726
NCUA · 3 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 | 0.77% | 0.91% | 0.78% | 0.67% | 0.84% | +7 bps | |
| Return on Equity | 4.44% | 4.89% | 4.22% | 3.75% | 4.73% | +29 bps | |
| Net Interest Margin | 3.64% | 3.92% | 3.94% | 3.52% | 3.61% | -2 bps | |
| Efficiency Ratio | 73.02% | 71.88% | 75.31% | 76.98% | 75.74% | +272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.60% | 1.55% | 1.45% | 1.34% | 1.70% | -490 bps | |
| Loan Growth (YoY) | -2.29% | -6.00% | -6.39% | -5.66% | -8.12% | -582 bps | |
| Share Growth (YoY) | 7.10% | 1.37% | 0.62% | 0.92% | 1.51% | -559 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 2.84% | 2.90% | 2.78% | 2.87% | +140 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 | 17.36% | 18.54% | 18.55% | 17.80% | 17.85% | +49 bps | |
| Net Worth / Assets | 17.36% | 18.54% | 18.55% | 17.80% | 17.85% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.60% | 63.17% | 61.22% | 57.38% | 54.85% | -575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hopkins, MN · Charter 62726 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 3 branches
Q2 2026
Return on Assets
0.84%
Rank 7 of 25
Net Interest Margin
3.62%
Rank 13 of 25
Efficiency Ratio
75.76%
Rank 7 of 25
Equity / Assets
17.85%
Rank 4 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | -0.29% | 0.38% | 0.84% | Beats 72% | 7 / 25 | |
| Return on Equity | 4.73% | -1.54% | 3.43% | 5.67% | Beats 56% | 11 / 25 | |
| Net Interest Margin | 3.62% | 3.36% | 3.62% | 4.13% | Beats 48% | 13 / 25 | |
| Efficiency Ratio | 75.76% | 75.76% | 88.22% | 93.38% | Beats 76% | 7 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.87% | 0.29% | 0.62% | 1.02% | Beats 12% | 23 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.85% | 10.07% | 11.51% | 14.55% | Beats 84% | 4 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.85% | 10.07% | 11.51% | 14.55% | Beats 84% | 4 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.85% | 59.49% | 71.17% | 86.44% | 12th pctl | 22 / 25 | |
| Loans / Assets | 44.90% | 53.45% | 61.94% | 76.61% | 16th pctl | 21 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||