Maplewood, MN · Charter 62733
NCUA · 2 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 | -0.37% | -0.36% | -1.00% | -1.16% | -0.71% | -0.63% | -0.79% | -0.56% | +61 bps | |
| Return on Equity | -1.83% | -1.78% | -5.08% | -5.86% | -3.47% | -3.08% | -3.87% | -2.66% | +320 bps | |
| Net Interest Margin | 3.60% | 3.61% | 3.34% | 3.53% | 3.76% | 3.82% | 3.99% | 4.18% | +65 bps | |
| Efficiency Ratio | 98.86% | 101.50% | 102.36% | 99.74% | 103.90% | 104.59% | 97.88% | 95.60% | -415 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.92% | -10.14% | -6.77% | -4.91% | -5.70% | -5.23% | -6.16% | -6.68% | -177 bps | |
| Loan Growth (YoY) | -8.38% | -7.39% | -9.18% | -9.70% | -6.08% | -2.61% | 0.41% | 2.67% | +1,237 bps | |
| Share Growth (YoY) | -14.84% | -12.36% | -8.16% | -5.75% | -7.04% | -6.48% | -7.59% | -8.44% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.38% | 0.62% | 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 | 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 | 20.02% | 20.01% | 19.63% | 19.82% | 20.61% | 20.48% | 20.36% | 20.93% | +111 bps | |
| Net Worth / Assets | 20.02% | 20.01% | 19.63% | 19.82% | 20.61% | 20.48% | 20.36% | 20.93% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.91% | 71.17% | 67.74% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |