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.
Trailing 9 quarters, through Q2 2026
Capital
84
Asset Quality
12
Profitability
59
Liquidity
45
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Hopkins, MN · Charter 62726
NCUA · 3 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 | 0.80% | 0.68% | 0.65% | 0.77% | 0.91% | 0.78% | 0.67% | 0.84% | +7 bps | |
| Return on Equity | 4.44% | 3.76% | 3.77% | 4.44% | 4.89% | 4.22% | 3.75% | 4.73% | +29 bps | |
| Net Interest Margin | 3.61% | 3.66% | 3.48% | 3.64% | 3.92% | 3.94% | 3.52% | 3.61% | -2 bps | |
| Efficiency Ratio | 73.05% | 75.67% | 77.84% | 73.02% | 71.88% | 75.31% | 76.98% | 75.74% | +272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 2.97% | 7.42% | 6.60% | 1.55% | 1.45% | 1.34% | 1.70% | -490 bps | |
| Loan Growth (YoY) | 3.44% | -1.82% | -1.77% | -2.29% | -6.00% | -6.39% | -5.66% | -8.12% | -582 bps | |
| Share Growth (YoY) | 2.45% | 3.16% | 8.40% | 7.10% | 1.37% | 0.62% | 0.92% | 1.51% | -559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.66% | 1.69% | 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 | 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 | 18.05% | 18.02% | 17.27% | 17.36% | 18.54% | 18.55% | 17.80% | 17.85% | +49 bps | |
| Net Worth / Assets | 18.05% | 18.02% | 17.27% | 17.36% | 18.54% | 18.55% | 17.80% | 17.85% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.13% | 65.81% | 61.38% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||