Plymouth, MN · Charter 62950
NCUA · 1 branch
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 | 1.61% | 0.19% | -1.02% | -0.35% | 0.00% | -0.35% | -1.05% | -1.09% | -74 bps | |
| Return on Equity | 13.58% | 1.63% | -8.38% | -2.72% | -0.03% | -2.55% | -8.21% | -7.46% | -474 bps | |
| Net Interest Margin | 6.33% | 6.85% | 6.45% | 6.68% | 6.68% | 7.13% | 6.17% | 6.73% | +5 bps | |
| Efficiency Ratio | 78.06% | 88.04% | 113.57% | 104.44% | 100.06% | 97.99% | 114.97% | 113.83% | +938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.32% | -16.05% | -15.25% | -19.14% | -16.71% | -15.75% | -7.27% | -13.72% | +542 bps | |
| Loan Growth (YoY) | -8.29% | -16.55% | -7.11% | -7.78% | -11.25% | -8.92% | -24.29% | -25.88% | -1,810 bps | |
| Share Growth (YoY) | -8.93% | -18.28% | -17.02% | -21.12% | -18.38% | -18.20% | -8.00% | -16.28% | +484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.66% | 3.75% | 3.54% | 5.52% | 6.42% | 6.43% | 5.20% | 8.72% | +320 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 | 4.44% | 5.65% | 5.30% | 5.40% | 5.98% | 6.35% | 6.63% | 6.90% | +150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 11.89% | 12.19% | 12.81% | 12.97% | 13.76% | 12.83% | 14.55% | +173 bps | |
| Net Worth / Assets | 11.83% | 11.89% | 12.19% | 12.81% | 12.97% | 13.76% | 12.83% | 14.55% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.20% | 94.53% | 106.06% | 109.56% | 99.16% | 105.25% | 87.28% | 97.00% | -1,256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |