Woodbury, MN · Charter 63157
NCUA · 2 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 | 0.83% | 0.98% | 2.04% | 1.49% | 1.73% | 1.36% | 1.30% | 1.69% | +19 bps | |
| Return on Equity | 7.40% | 8.25% | 16.43% | 11.88% | 12.88% | 10.30% | 9.83% | 12.55% | +68 bps | |
| Net Interest Margin | 4.36% | 4.54% | 4.85% | 4.88% | 5.17% | 5.02% | 4.76% | 5.45% | +56 bps | |
| Efficiency Ratio | 69.32% | 70.59% | 61.57% | 64.90% | 64.83% | 65.39% | 75.05% | 71.52% | +662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | -2.45% | -2.40% | 1.67% | -4.73% | -0.03% | 2.21% | 1.45% | -21 bps | |
| Loan Growth (YoY) | 7.13% | 7.09% | 6.08% | 3.01% | 1.04% | -4.17% | -6.76% | -7.48% | -1,049 bps | |
| Share Growth (YoY) | 0.29% | -3.43% | -3.82% | 0.32% | -7.44% | -2.02% | 1.17% | 0.59% | +27 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.84% | 0.89% | 1.10% | 0.89% | 0.56% | 0.98% | 1.07% | -3 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 | 11.27% | 11.89% | 12.40% | 12.56% | 13.42% | 13.21% | 13.24% | 13.43% | +87 bps | |
| Net Worth / Assets | 11.27% | 11.89% | 12.40% | 12.56% | 13.42% | 13.21% | 13.24% | 13.43% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.81% | 62.13% | 62.31% | 62.57% | 65.29% | 60.77% | 57.43% | 57.55% | -502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |