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 | |