PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NSP

Maplewood, MN · Charter 62733

NCUA · 2 branches

Q2 2026

$35.1MAssets
$20.6MLoans
$27.1MShares
$7.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.56%, up 61 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 1.22% of loans (-46 bps YoY).
  • Capital: net worth / assets of 20.93%, up 111 bps from a year ago.
  • Funding: loans stand at 76.08% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.56%+61 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+65 bps YoY

Efficiency Ratio (YTD, annualized)

95.60%-415 bps YoY

Net Worth / Assets

20.93%+111 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.16%-0.71%-0.63%-0.79%-0.56%+61 bps
Return on Equity-5.86%-3.47%-3.08%-3.87%-2.66%+320 bps
Net Interest Margin3.53%3.76%3.82%3.99%4.18%+65 bps
Efficiency Ratio99.74%103.90%104.59%97.88%95.60%-415 bps
Growth
Asset Growth (YoY)-4.91%-5.70%-5.23%-6.16%-6.68%-177 bps
Loan Growth (YoY)-9.70%-6.08%-2.61%0.41%2.67%+1,237 bps
Share Growth (YoY)-5.75%-7.04%-6.48%-7.59%-8.44%-268 bps
Asset Quality
Delinquent Loans / Loans1.67%0.38%0.19%0.83%1.22%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.82%20.61%20.48%20.36%20.93%+111 bps
Net Worth / Assets19.82%20.61%20.48%20.36%20.93%+111 bps
Liquidity & Funding
Loans / Shares67.85%71.64%74.12%73.61%76.08%+823 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps