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Pipefitters-Steamfitters

Woodbury, MN · Charter 63157

NCUA · 2 branches

Q2 2026

$51.6MAssets
$25.5MLoans
$44.4MShares
$6.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.69%, up 19 bps year over year; NIM at 5.45%.
  • Asset quality: problem loans at 1.07% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.43%, up 87 bps from a year ago.
  • Funding: loans stand at 57.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+19 bps YoY

Net Interest Margin (YTD, annualized)

5.45%+56 bps YoY

Efficiency Ratio (YTD, annualized)

71.52%+662 bps YoY

Net Worth / Assets

13.43%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.73%1.36%1.30%1.69%+19 bps
Return on Equity11.88%12.88%10.30%9.83%12.55%+68 bps
Net Interest Margin4.88%5.17%5.02%4.76%5.45%+56 bps
Efficiency Ratio64.90%64.83%65.39%75.05%71.52%+662 bps
Growth
Asset Growth (YoY)1.67%-4.73%-0.03%2.21%1.45%-21 bps
Loan Growth (YoY)3.01%1.04%-4.17%-6.76%-7.48%-1,049 bps
Share Growth (YoY)0.32%-7.44%-2.02%1.17%0.59%+27 bps
Asset Quality
Delinquent Loans / Loans1.10%0.89%0.56%0.98%1.07%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.56%13.42%13.21%13.24%13.43%+87 bps
Net Worth / Assets12.56%13.42%13.21%13.24%13.43%+87 bps
Liquidity & Funding
Loans / Shares62.57%65.29%60.77%57.43%57.55%-502 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps