Ely, MN · Charter 63398
NCUA · 2 branches
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 in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
81
Profitability
73
Liquidity
2
Efficiency
100
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.
Ely, MN · Charter 63398
NCUA · 2 branches
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 | 1.76% | 1.91% | 2.17% | 2.37% | 2.37% | 2.33% | 2.48% | 2.60% | +22 bps | |
| Return on Equity | 12.80% | 12.92% | 14.54% | 15.34% | 15.49% | 14.66% | 15.38% | 15.29% | -5 bps | |
| Net Interest Margin | 3.19% | 3.44% | 3.71% | 3.88% | 3.79% | 3.88% | 4.00% | 4.08% | +20 bps | |
| Efficiency Ratio | 51.43% | 51.37% | 49.13% | 46.95% | 45.84% | 47.72% | 45.15% | 44.36% | -260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | 3.71% | 4.15% | 4.76% | 5.66% | 8.56% | 8.70% | 6.78% | +202 bps | |
| Loan Growth (YoY) | 7.05% | 3.33% | 0.23% | 2.29% | -0.39% | 3.91% | 3.78% | 0.61% | -169 bps | |
| Share Growth (YoY) | 1.25% | 1.96% | 2.42% | 2.87% | 3.82% | 7.07% | 7.12% | 4.80% | +194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.38% | 0.40% | 0.78% | 0.01% | 0.50% | 0.00% | 0.14% | -65 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 | 13.75% | 14.76% | 14.91% | 15.47% | 15.28% | 15.93% | 16.11% | 16.97% | +150 bps | |
| Net Worth / Assets | 13.75% | 14.76% | 14.91% | 15.47% | 15.28% | 15.93% | 16.11% | 16.97% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.33% | 42.89% | 42.12% | 43.65% | 40.61% | 41.62% | 40.80% | 41.90% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ely, MN · Charter 63398 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
2.60%
Rank 1 of 16
Net Interest Margin
4.08%
Rank 11 of 16
Efficiency Ratio
44.32%
Rank 1 of 16
Equity / Assets
16.97%
Rank 4 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.60% | 0.85% | 1.44% | 2.05% | Beats 94% | 1 / 16 | ||
| Return on Equity | 15.29% | 6.27% | 10.66% | 13.40% | Beats 94% | 1 / 16 | ||
| Net Interest Margin | 4.08% | 4.07% | 4.17% | 4.88% | Beats 31% | 11 / 16 | ||
| Efficiency Ratio | 44.32% | 63.01% | 70.37% | 80.78% | Beats 100% | 1 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.32% | 0.86% | 1.92% | Beats 81% | 4 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.97% | 13.43% | 14.66% | 16.97% | Beats 75% | 4 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.97% | 13.43% | 14.66% | 16.97% | Beats 75% | 4 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.90% | 67.52% | 85.26% | 93.00% | 13th pctl | 14 / 16 | ||
| Loans / Assets | 34.74% | 52.10% | 73.80% | 79.04% | 13th pctl | 14 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||