Cambridge, MN · Charter 63639
NCUA · 8 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 Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
64
Profitability
55
Liquidity
89
Efficiency
88
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.
Cambridge, MN · Charter 63639
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.58% | 0.58% | 0.57% | 0.91% | +30 bps | |
| Return on Equity | 6.25% | 5.95% | 6.14% | 5.95% | 9.14% | +289 bps | |
| Net Interest Margin | 3.04% | 3.05% | 2.98% | 3.10% | 3.13% | +10 bps | |
| Efficiency Ratio | 76.69% | 76.86% | 75.88% | 78.32% | 71.40% | -529 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.83% | 9.33% | 14.98% | 7.23% | 6.44% | -239 bps | |
| Loan Growth (YoY) | 3.66% | 5.90% | 10.04% | 2.50% | 4.13% | +47 bps | |
| Share Growth (YoY) | 8.37% | 8.79% | 9.73% | 4.21% | 3.88% | -449 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.83% | 0.69% | 0.54% | 0.44% | -39 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 9.76% | 9.49% | 9.51% | 9.95% | +17 bps | |
| Net Worth / Assets | 9.78% | 9.76% | 9.49% | 9.51% | 9.95% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.86% | 68.44% | 69.47% | 65.56% | 68.02% | +16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cambridge, MN · Charter 63639 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 8 branches
Q2 2026
Return on Assets
0.91%
Rank 6 of 25
Net Interest Margin
3.13%
Rank 23 of 25
Efficiency Ratio
71.40%
Rank 4 of 25
Equity / Assets
9.95%
Rank 21 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | -0.29% | 0.38% | 0.84% | Beats 76% | 6 / 25 | |
| Return on Equity | 9.14% | -1.54% | 3.43% | 5.67% | Beats 80% | 5 / 25 | |
| Net Interest Margin | 3.13% | 3.36% | 3.62% | 4.13% | Beats 8% | 23 / 25 | |
| Efficiency Ratio | 71.40% | 75.76% | 88.22% | 93.38% | Beats 88% | 4 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.29% | 0.62% | 1.02% | Beats 64% | 10 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.95% | 10.07% | 11.51% | 14.55% | Beats 16% | 21 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.95% | 10.07% | 11.51% | 14.55% | Beats 16% | 21 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.02% | 59.49% | 71.17% | 86.44% | 32nd pctl | 17 / 25 | |
| Loans / Assets | 59.69% | 53.45% | 61.94% | 76.61% | 32nd pctl | 17 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||