Cloquet, MN · Charter 62847
NCUA · 4 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 | 0.56% | 0.69% | 1.10% | 1.01% | 1.12% | 0.94% | 0.95% | 1.35% | +34 bps | |
| Return on Equity | 6.95% | 8.37% | 13.08% | 11.50% | 12.16% | 10.07% | 10.21% | 13.59% | +210 bps | |
| Net Interest Margin | 4.80% | 4.93% | 5.15% | 5.29% | 5.41% | 5.46% | 5.38% | 5.55% | +26 bps | |
| Efficiency Ratio | 85.20% | 83.89% | 80.35% | 79.07% | 79.35% | 80.71% | 85.04% | 80.77% | +170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.18% | 1.86% | 1.09% | 0.20% | -0.89% | -1.07% | -0.61% | -0.64% | -84 bps | |
| Loan Growth (YoY) | 2.96% | 1.77% | 1.36% | -0.94% | -5.50% | -0.92% | -2.58% | -2.05% | -111 bps | |
| Share Growth (YoY) | 1.05% | 1.59% | 0.63% | -0.32% | -2.25% | -2.52% | -2.06% | -2.89% | -257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.30% | 0.29% | 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 | 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 | 7.99% | 8.29% | 8.42% | 8.78% | 9.18% | 9.32% | 9.35% | 9.93% | +116 bps | |
| Net Worth / Assets | 7.99% | 8.29% | 8.42% | 8.78% | 9.18% | 9.32% | 9.35% | 9.93% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.59% | 86.35% | 83.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |