PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Metro Schools

Hopkins, MN · Charter 62726

NCUA · 3 branches

Q2 2026

$43.6MAssets
$19.6MLoans
$35.7MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.84%, up 7 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 2.87% of loans (+140 bps YoY).
  • Capital: net worth / assets of 17.85%, up 49 bps from a year ago.
  • Funding: loans stand at 54.85% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-2 bps YoY

Efficiency Ratio (YTD, annualized)

75.74%+272 bps YoY

Net Worth / Assets

17.85%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.68%0.65%0.77%0.91%0.78%0.67%0.84%+7 bps
Return on Equity4.44%3.76%3.77%4.44%4.89%4.22%3.75%4.73%+29 bps
Net Interest Margin3.61%3.66%3.48%3.64%3.92%3.94%3.52%3.61%-2 bps
Efficiency Ratio73.05%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 / Loans1.93%1.66%1.69%1.47%2.84%2.90%2.78%2.87%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.05%18.02%17.27%17.36%18.54%18.55%17.80%17.85%+49 bps
Net Worth / Assets18.05%18.02%17.27%17.36%18.54%18.55%17.80%17.85%+49 bps
Liquidity & Funding
Loans / Shares68.13%65.81%61.38%60.60%63.17%61.22%57.38%54.85%-575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps