Bloomington, MN · Charter 63098
NCUA · 7 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 | 0.36% | 0.44% | 0.53% | 0.71% | 0.60% | +24 bps | |
| Return on Equity | 3.23% | 3.95% | 4.62% | 6.22% | 5.06% | +183 bps | |
| Net Interest Margin | 3.37% | 3.41% | 3.46% | 3.47% | 3.61% | +24 bps | |
| Efficiency Ratio | 89.48% | 87.53% | 85.81% | 82.13% | 83.63% | -585 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.36% | -3.45% | -4.39% | -2.14% | -1.18% | +418 bps | |
| Loan Growth (YoY) | 0.42% | 2.51% | -0.58% | -0.98% | -2.45% | -286 bps | |
| Share Growth (YoY) | -7.02% | -5.02% | -6.54% | -3.58% | -2.37% | +465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 0.78% | 0.86% | 0.74% | 1.02% | -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 | 11.02% | 11.12% | 11.42% | 11.42% | 11.80% | +77 bps | |
| Net Worth / Assets | 11.02% | 11.12% | 11.42% | 11.42% | 11.80% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.28% | 73.98% | 73.62% | 72.15% | 73.22% | -5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |