PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Minnco

Cambridge, MN · Charter 63639

NCUA · 8 branches

Q2 2026

$604.7MAssets
$360.9MLoans
$530.6MShares
$60.1MNet 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 0.91%, up 30 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.44% of loans (-39 bps YoY).
  • Capital: net worth / assets of 9.95%, up 17 bps from a year ago.
  • Funding: loans stand at 68.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+10 bps YoY

Efficiency Ratio (YTD, annualized)

71.40%-529 bps YoY

Net Worth / Assets

9.95%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.58%0.58%0.57%0.91%+30 bps
Return on Equity6.25%5.95%6.14%5.95%9.14%+289 bps
Net Interest Margin3.04%3.05%2.98%3.10%3.13%+10 bps
Efficiency Ratio76.69%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 / Loans0.83%0.83%0.69%0.54%0.44%-39 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 Capital9.78%9.76%9.49%9.51%9.95%+17 bps
Net Worth / Assets9.78%9.76%9.49%9.51%9.95%+17 bps
Liquidity & Funding
Loans / Shares67.86%68.44%69.47%65.56%68.02%+16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps