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 | |