Austin, MN · Charter 63258
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
9
Profitability
66
Liquidity
52
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Austin, MN · Charter 63258
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.43% | 1.29% | -0.11% | -0.58% | -0.49% | 1.15% | 1.04% | +115 bps | |
| Return on Equity | 9.78% | 8.24% | 7.24% | -0.58% | -3.11% | -2.62% | 6.05% | 5.48% | +606 bps | |
| Net Interest Margin | 4.41% | 4.44% | 4.83% | 5.01% | 4.91% | 4.90% | 4.87% | 4.70% | -31 bps | |
| Efficiency Ratio | 61.64% | 67.77% | 56.93% | 61.44% | 68.02% | 79.08% | 77.48% | 82.73% | +2,129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.79% | 2.75% | -0.71% | -7.13% | -7.17% | -9.89% | -8.97% | -1.65% | +548 bps | |
| Loan Growth (YoY) | 0.25% | -1.07% | -3.79% | -4.89% | -6.21% | -7.43% | -4.43% | -6.72% | -183 bps | |
| Share Growth (YoY) | 1.30% | 1.63% | -2.39% | -9.17% | -8.48% | -11.44% | -10.33% | -2.25% | +692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 4.98% | 6.48% | 4.22% | 2.76% | 2.67% | 3.13% | 2.72% | -150 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 | 0.63% | 0.40% | 0.65% | 0.74% | 0.67% | 0.55% | 0.57% | 0.80% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.39% | 17.36% | 17.74% | 18.56% | 18.49% | 18.77% | 18.93% | 19.01% | +45 bps | |
| Net Worth / Assets | 17.39% | 17.36% | 17.74% | 18.56% | 18.49% | 18.77% | 18.93% | 19.01% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.88% | 81.69% | 79.62% | 84.20% | 84.93% | 85.39% | 84.85% | 80.35% | -385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, MN · Charter 63258 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.04%
Rank 557 of 1,683
Net Interest Margin
4.70%
Rank 251 of 1,683
Efficiency Ratio
83.03%
Rank 1,091 of 1,682
Equity / Assets
19.02%
Rank 271 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 557 / 1,683 | ||
| Return on Equity | 5.48% | 2.67% | 5.89% | 8.74% | Beats 46% | 902 / 1,681 | ||
| Net Interest Margin | 4.70% | 3.31% | 3.82% | 4.32% | Beats 85% | 251 / 1,683 | ||
| Efficiency Ratio | 83.03% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,091 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.72% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,528 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.02% | 10.44% | 12.89% | 16.53% | Beats 84% | 271 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.02% | 10.44% | 12.89% | 16.53% | Beats 84% | 271 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.36% | 52.61% | 69.38% | 83.50% | 70th pctl | 506 / 1,683 | ||
| Loans / Assets | 65.01% | 44.71% | 59.18% | 70.72% | 63rd pctl | 630 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||