PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mower County Catholic Parishes

Austin, MN · Charter 63258

NCUA · 1 branch

Q2 2026

$6.7MAssets
$4.4MLoans
$5.4MShares
$1.3MNet 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 1.04%, up 115 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 2.72% of loans (-150 bps YoY).
  • Capital: net worth / assets of 19.01%, up 45 bps from a year ago.
  • Funding: loans stand at 80.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+115 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-31 bps YoY

Efficiency Ratio (YTD, annualized)

82.73%+2,129 bps YoY

Net Worth / Assets

19.01%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.58%-0.49%1.15%1.04%+115 bps
Return on Equity-0.58%-3.11%-2.62%6.05%5.48%+606 bps
Net Interest Margin5.01%4.91%4.90%4.87%4.70%-31 bps
Efficiency Ratio61.44%68.02%79.08%77.48%82.73%+2,129 bps
Growth
Asset Growth (YoY)-7.13%-7.17%-9.89%-8.97%-1.65%+548 bps
Loan Growth (YoY)-4.89%-6.21%-7.43%-4.43%-6.72%-183 bps
Share Growth (YoY)-9.17%-8.48%-11.44%-10.33%-2.25%+692 bps
Asset Quality
Delinquent Loans / Loans4.22%2.76%2.67%3.13%2.72%-150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.67%0.55%0.57%0.80%+6 bps
Capital
Risk-Based Capital18.56%18.49%18.77%18.93%19.01%+45 bps
Net Worth / Assets18.56%18.49%18.77%18.93%19.01%+45 bps
Liquidity & Funding
Loans / Shares84.20%84.93%85.39%84.85%80.35%-385 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps