Cloquet, MN · Charter 62847
NCUA · 4 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 | 1.01% | 1.12% | 0.94% | 0.95% | 1.35% | +34 bps | |
| Return on Equity | 11.50% | 12.16% | 10.07% | 10.21% | 13.59% | +210 bps | |
| Net Interest Margin | 5.29% | 5.41% | 5.46% | 5.38% | 5.55% | +26 bps | |
| Efficiency Ratio | 79.07% | 79.35% | 80.71% | 85.04% | 80.77% | +170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | -0.89% | -1.07% | -0.61% | -0.64% | -84 bps | |
| Loan Growth (YoY) | -0.94% | -5.50% | -0.92% | -2.58% | -2.05% | -111 bps | |
| Share Growth (YoY) | -0.32% | -2.25% | -2.52% | -2.06% | -2.89% | -257 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.44% | 0.55% | 0.36% | 0.49% | +1 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 | 8.78% | 9.18% | 9.32% | 9.35% | 9.93% | +116 bps | |
| Net Worth / Assets | 8.78% | 9.18% | 9.32% | 9.35% | 9.93% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.44% | 84.68% | 87.77% | 82.68% | 85.17% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |