Rochester, MN · Charter 62872
NCUA · 5 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 | 0.78% | 0.80% | -0.31% | 0.19% | 0.39% | 0.50% | 2.94% | 1.77% | +158 bps | |
| Return on Equity | 7.37% | 7.22% | -2.91% | 1.67% | 3.50% | 4.60% | 28.18% | 17.77% | +1,610 bps | |
| Net Interest Margin | 4.52% | 4.75% | 4.65% | 4.74% | 4.78% | 4.67% | 7.03% | 5.48% | +74 bps | |
| Efficiency Ratio | 80.14% | 79.17% | 85.02% | 83.27% | 81.92% | 81.39% | 60.42% | 69.25% | -1,402 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.90% | -4.31% | -3.63% | -0.09% | 3.72% | 11.28% | 19.57% | 26.06% | +2,615 bps | |
| Loan Growth (YoY) | -3.38% | -3.13% | 1.67% | 5.67% | 6.57% | 8.62% | 11.45% | 13.75% | +808 bps | |
| Share Growth (YoY) | -2.20% | -3.39% | -0.29% | 2.53% | 6.15% | 8.30% | 16.85% | 20.18% | +1,765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.13% | 1.38% | 1.42% | 1.34% | 1.53% | 1.27% | 1.19% | -23 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 | 10.62% | 11.13% | 10.66% | 11.08% | 11.04% | 10.80% | 10.44% | 9.95% | -113 bps | |
| Net Worth / Assets | 10.62% | 11.13% | 10.66% | 11.08% | 11.04% | 10.80% | 10.44% | 9.95% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.23% | 92.26% | 89.98% | 92.24% | 92.59% | 92.53% | 85.82% | 87.30% | -493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |