Bloomington, MN · Charter 63098
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.08% | 0.30% | 0.36% | 0.44% | 0.53% | 0.71% | 0.60% | +24 bps | |
| Return on Equity | -0.58% | 0.74% | 2.85% | 3.23% | 3.95% | 4.62% | 6.22% | 5.06% | +183 bps | |
| Net Interest Margin | 2.82% | 2.87% | 3.22% | 3.37% | 3.41% | 3.46% | 3.47% | 3.61% | +24 bps | |
| Efficiency Ratio | 92.49% | 91.88% | 90.34% | 89.48% | 87.53% | 85.81% | 82.13% | 83.63% | -585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.92% | 27.13% | -5.26% | -5.36% | -3.45% | -4.39% | -2.14% | -1.18% | +418 bps | |
| Loan Growth (YoY) | 27.53% | 29.51% | 0.16% | 0.42% | 2.51% | -0.58% | -0.98% | -2.45% | -286 bps | |
| Share Growth (YoY) | 29.63% | 28.56% | -6.57% | -7.02% | -5.02% | -6.54% | -3.58% | -2.37% | +465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.75% | 0.63% | 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 | 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 | 10.31% | 10.42% | 10.58% | 11.02% | 11.12% | 11.42% | 11.42% | 11.80% | +77 bps | |
| Net Worth / Assets | 10.31% | 10.42% | 10.58% | 11.02% | 11.12% | 11.42% | 11.42% | 11.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.55% | 69.21% | 70.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |