Minneapolis, MN · Charter 63891
NCUA · 1 branch
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
44
Asset Quality
32
Profitability
61
Liquidity
17
Efficiency
48
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.
Minneapolis, MN · Charter 63891
NCUA · 1 branch
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 | 0.74% | 0.92% | 0.59% | 0.24% | 0.37% | -37 bps | |
| Return on Equity | 7.12% | 8.23% | 5.46% | 2.18% | 3.33% | -379 bps | |
| Net Interest Margin | 4.99% | 5.31% | 5.19% | 4.97% | 4.97% | -2 bps | |
| Efficiency Ratio | 85.62% | 83.67% | 89.18% | 93.64% | 91.71% | +609 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.71% | 1.27% | 2.01% | -3.83% | -1.94% | -565 bps | |
| Loan Growth (YoY) | -0.75% | 8.76% | 3.70% | -1.31% | -4.80% | -405 bps | |
| Share Growth (YoY) | 3.73% | 0.63% | 2.00% | -4.68% | -2.70% | -643 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.16% | 0.06% | 0.80% | 0.85% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.39% | 0.41% | 0.26% | 0.29% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.41% | 11.13% | 10.85% | 11.03% | 11.01% | +60 bps | |
| Net Worth / Assets | 10.41% | 11.13% | 10.85% | 11.03% | 11.01% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.09% | 102.44% | 94.90% | 93.75% | 89.12% | -196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Minneapolis, MN · Charter 63891 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
0.38%
Rank 14 of 25
Net Interest Margin
4.98%
Rank 2 of 25
Efficiency Ratio
91.72%
Rank 14 of 25
Equity / Assets
11.01%
Rank 14 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | -0.29% | 0.38% | 0.84% | Beats 44% | 14 / 25 | |
| Return on Equity | 3.43% | -1.54% | 3.43% | 5.67% | Beats 48% | 13 / 25 | |
| Net Interest Margin | 4.98% | 3.36% | 3.62% | 4.13% | Beats 92% | 2 / 25 | |
| Efficiency Ratio | 91.72% | 75.76% | 88.22% | 93.38% | Beats 48% | 14 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.29% | 0.62% | 1.02% | Beats 32% | 18 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.01% | 10.07% | 11.51% | 14.55% | Beats 44% | 14 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.01% | 10.07% | 11.51% | 14.55% | Beats 44% | 14 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.12% | 59.49% | 71.17% | 86.44% | 80th pctl | 5 / 25 | |
| Loans / Assets | 79.07% | 53.45% | 61.94% | 76.61% | 80th pctl | 5 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||