Cambridge, MN · Charter 63639
NCUA · 8 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 | 0.61% | 0.55% | 0.60% | 0.61% | 0.58% | 0.58% | 0.57% | 0.91% | +30 bps | |
| Return on Equity | 6.20% | 5.54% | 6.26% | 6.25% | 5.95% | 6.14% | 5.95% | 9.14% | +289 bps | |
| Net Interest Margin | 2.53% | 2.60% | 2.96% | 3.04% | 3.05% | 2.98% | 3.10% | 3.13% | +10 bps | |
| Efficiency Ratio | 77.44% | 78.95% | 76.05% | 76.69% | 76.86% | 75.88% | 78.32% | 71.40% | -529 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 1.04% | 8.00% | 8.83% | 9.33% | 14.98% | 7.23% | 6.44% | -239 bps | |
| Loan Growth (YoY) | 2.32% | 0.22% | 4.75% | 3.66% | 5.90% | 10.04% | 2.50% | 4.13% | +47 bps | |
| Share Growth (YoY) | 2.75% | 3.00% | 8.98% | 8.37% | 8.79% | 9.73% | 4.21% | 3.88% | -449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.69% | 0.64% | 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 | 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 | 9.78% | 9.92% | 9.57% | 9.78% | 9.76% | 9.49% | 9.51% | 9.95% | +17 bps | |
| Net Worth / Assets | 9.78% | 9.92% | 9.57% | 9.78% | 9.76% | 9.49% | 9.51% | 9.95% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.31% | 69.27% | 66.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |