Maplewood, MN · Charter 62733
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.53% | 3.76% | 3.82% | 3.99% | 4.18% | +65 bps | |
| Efficiency Ratio | 99.74% | 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 / Loans | 1.67% | 0.38% | 0.19% | 0.83% | 1.22% | -46 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 | 19.82% | 20.61% | 20.48% | 20.36% | 20.93% | +111 bps | |
| Net Worth / Assets | 19.82% | 20.61% | 20.48% | 20.36% | 20.93% | +111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.85% | 71.64% | 74.12% | 73.61% | 76.08% | +823 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |