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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |