Virginia, MN · Charter 63965
NCUA · 1 branch
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 | 1.37% | 1.51% | 1.56% | 1.21% | 1.48% | +11 bps | |
| Return on Equity | 13.55% | 14.46% | 14.22% | 11.16% | 13.39% | -17 bps | |
| Net Interest Margin | 4.42% | 4.46% | 4.53% | 4.39% | 4.50% | +8 bps | |
| Efficiency Ratio | 67.68% | 67.77% | 68.20% | 71.48% | 70.37% | +269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.30% | 4.91% | 5.98% | 5.46% | 6.38% | +207 bps | |
| Loan Growth (YoY) | -7.25% | -7.13% | -6.27% | -2.67% | -1.76% | +549 bps | |
| Share Growth (YoY) | 3.50% | 4.13% | 4.82% | 4.38% | 5.30% | +181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.54% | 0.49% | 0.40% | 0.86% | +52 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 | 10.11% | 10.47% | 10.96% | 10.86% | 11.07% | +96 bps | |
| Net Worth / Assets | 10.11% | 10.47% | 10.96% | 10.86% | 11.07% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.52% | 60.86% | 60.07% | 57.82% | 56.46% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.46% | 0.00% | 0.00% | 0 bps | |