PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ely Area

Ely, MN · Charter 63398

NCUA · 2 branches

Q2 2026

$74.3MAssets
$25.8MLoans
$61.6MShares
$12.6MNet 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 2.60%, up 22 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.14% of loans (-65 bps YoY).
  • Capital: net worth / assets of 16.97%, up 150 bps from a year ago.
  • Funding: loans stand at 41.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.60%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+20 bps YoY

Efficiency Ratio (YTD, annualized)

44.36%-260 bps YoY

Net Worth / Assets

16.97%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.37%2.37%2.33%2.48%2.60%+22 bps
Return on Equity15.34%15.49%14.66%15.38%15.29%-5 bps
Net Interest Margin3.88%3.79%3.88%4.00%4.08%+20 bps
Efficiency Ratio46.95%45.84%47.72%45.15%44.36%-260 bps
Growth
Asset Growth (YoY)4.76%5.66%8.56%8.70%6.78%+202 bps
Loan Growth (YoY)2.29%-0.39%3.91%3.78%0.61%-169 bps
Share Growth (YoY)2.87%3.82%7.07%7.12%4.80%+194 bps
Asset Quality
Delinquent Loans / Loans0.78%0.01%0.50%0.00%0.14%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.47%15.28%15.93%16.11%16.97%+150 bps
Net Worth / Assets15.47%15.28%15.93%16.11%16.97%+150 bps
Liquidity & Funding
Loans / Shares43.65%40.61%41.62%40.80%41.90%-175 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps