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 | |