PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Minnesota Catholic

Little Canada, MN · Charter 63977

NCUA · 3 branches

Q2 2026

$38.6MAssets
$24.6MLoans
$33.8MShares
$4.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.94%, down 12 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.43% of loans (+29 bps YoY).
  • Capital: net worth / assets of 12.62%, up 104 bps from a year ago.
  • Funding: loans stand at 72.78% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.94%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.80%-17 bps YoY

Efficiency Ratio (YTD, annualized)

81.51%+356 bps YoY

Net Worth / Assets

12.62%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.24%0.97%1.05%1.21%1.08%1.00%0.94%-12 bps
Return on Equity12.21%10.87%8.50%9.09%9.90%8.71%7.96%7.41%-168 bps
Net Interest Margin5.20%5.16%4.94%4.97%5.16%5.14%4.85%4.80%-17 bps
Efficiency Ratio75.62%77.66%80.13%77.95%77.12%79.73%81.16%81.51%+356 bps
Growth
Asset Growth (YoY)-7.08%-3.76%-0.65%1.05%1.72%0.78%-0.73%-0.32%-137 bps
Loan Growth (YoY)2.60%-1.86%-0.73%-3.11%-6.13%-3.71%-5.28%-2.84%+27 bps
Share Growth (YoY)-8.82%-5.01%-1.94%1.45%1.19%1.15%-2.25%-2.60%-405 bps
Asset Quality
Delinquent Loans / Loans0.12%0.12%0.12%0.13%0.15%0.17%0.08%0.43%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.30%11.45%11.40%11.59%12.23%12.45%12.56%12.62%+104 bps
Net Worth / Assets11.30%11.45%11.40%11.59%12.23%12.45%12.56%12.62%+104 bps
Liquidity & Funding
Loans / Shares78.62%76.07%74.33%72.96%72.94%72.41%72.03%72.78%-18 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps