Minneapolis, MN · Charter 63891
NCUA · 1 branch
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 | 0.46% | 0.43% | 0.72% | 0.74% | 0.92% | 0.59% | 0.24% | 0.37% | -37 bps | |
| Return on Equity | 4.39% | 4.08% | 7.11% | 7.12% | 8.23% | 5.46% | 2.18% | 3.33% | -379 bps | |
| Net Interest Margin | 4.90% | 4.89% | 5.01% | 4.99% | 5.31% | 5.19% | 4.97% | 4.97% | -2 bps | |
| Efficiency Ratio | 85.33% | 90.35% | 82.97% | 85.62% | 83.67% | 89.18% | 93.64% | 91.71% | +609 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.75% | 3.69% | 5.26% | 3.71% | 1.27% | 2.01% | -3.83% | -1.94% | -565 bps | |
| Loan Growth (YoY) | 6.39% | 4.39% | 6.58% | -0.75% | 8.76% | 3.70% | -1.31% | -4.80% | -405 bps | |
| Share Growth (YoY) | 4.85% | 3.65% | 5.53% | 3.73% | 0.63% | 2.00% | -4.68% | -2.70% | -643 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.09% | 0.69% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.40% | 0.46% | 0.41% | 0.39% | 0.41% | 0.26% | 0.29% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.49% | 10.46% | 10.15% | 10.41% | 11.13% | 10.85% | 11.03% | 11.01% | +60 bps | |
| Net Worth / Assets | 10.49% | 10.46% | 10.15% | 10.41% | 11.13% | 10.85% | 11.03% | 11.01% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.79% | 93.34% | 90.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |