Woodbury, MN · Charter 62978
NCUA · 6 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 | 0.38% | 0.35% | 0.31% | 0.55% | 0.56% | +18 bps | |
| Return on Equity | 3.65% | 3.39% | 2.97% | 5.23% | 5.19% | +154 bps | |
| Net Interest Margin | 3.21% | 3.24% | 3.29% | 3.34% | 3.48% | +27 bps | |
| Efficiency Ratio | 79.73% | 80.09% | 80.81% | 77.49% | 75.63% | -410 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.29% | 5.50% | 4.07% | 2.24% | -1.59% | -788 bps | |
| Loan Growth (YoY) | 5.82% | 4.06% | 4.47% | 4.09% | 2.27% | -355 bps | |
| Share Growth (YoY) | 7.50% | 7.31% | 5.98% | 4.27% | -1.03% | -854 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.70% | 0.91% | 0.80% | 0.79% | +11 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 | 10.33% | 10.36% | 10.42% | 10.50% | 10.82% | +49 bps | |
| Net Worth / Assets | 10.33% | 10.36% | 10.42% | 10.50% | 10.82% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.28% | 95.70% | 98.02% | 95.90% | 99.49% | +322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |