Mendota Heights, MN · Charter 62964
NCUA · 3 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 | -0.25% | -0.12% | -0.11% | -0.13% | 0.03% | +28 bps | |
| Return on Equity | -2.53% | -1.22% | -1.06% | -1.37% | 0.28% | +282 bps | |
| Net Interest Margin | 2.76% | 2.90% | 2.98% | 2.94% | 3.14% | +39 bps | |
| Efficiency Ratio | 102.21% | 98.98% | 97.30% | 95.41% | 93.39% | -882 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.04% | -0.78% | -3.20% | -2.42% | -0.51% | -155 bps | |
| Loan Growth (YoY) | -6.00% | -5.11% | -4.69% | -3.59% | -2.96% | +304 bps | |
| Share Growth (YoY) | 0.68% | -0.09% | -3.95% | -3.06% | -0.83% | -151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.42% | 0.28% | 0.24% | 0.34% | +10 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 | 9.92% | 10.06% | 10.08% | 9.82% | 9.95% | +3 bps | |
| Net Worth / Assets | 9.92% | 10.06% | 10.08% | 9.82% | 9.95% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.80% | 61.38% | 60.03% | 57.41% | 59.49% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |