Minneapolis, MN · Charter 63988
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
88
Asset Quality
24
Profitability
27
Liquidity
56
Efficiency
16
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 63988
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 | -1.14% | -1.58% | -1.70% | -0.87% | -0.47% | -0.28% | -1.06% | -0.38% | +49 bps | |
| Return on Equity | -4.51% | -6.26% | -6.96% | -3.54% | -1.91% | -1.13% | -4.40% | -1.55% | +200 bps | |
| Net Interest Margin | 3.09% | 3.16% | 2.83% | 3.10% | 3.20% | 3.34% | 3.50% | 3.61% | +51 bps | |
| Efficiency Ratio | 124.49% | 129.18% | 141.95% | 120.66% | 110.81% | 105.58% | 120.37% | 106.69% | -1,397 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.86% | -3.82% | -3.31% | -1.01% | -0.31% | 1.38% | 1.47% | -0.76% | +25 bps | |
| Loan Growth (YoY) | -7.69% | -8.64% | -12.66% | -13.53% | -16.83% | -18.47% | -16.89% | -15.43% | -190 bps | |
| Share Growth (YoY) | -2.87% | -3.57% | -2.47% | 0.49% | 1.24% | 2.51% | 2.41% | -0.80% | -130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 2.38% | 2.17% | 1.08% | 1.01% | 1.01% | 1.31% | 1.20% | +12 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 | 0.93% | 1.55% | 1.61% | 0.84% | 0.72% | 0.75% | 0.96% | 0.95% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.37% | 25.20% | 24.48% | 24.44% | 24.41% | 24.58% | 24.01% | 24.60% | +15 bps | |
| Net Worth / Assets | 25.37% | 25.20% | 24.48% | 24.44% | 24.41% | 24.58% | 24.01% | 24.60% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.28% | 77.49% | 71.78% | 68.35% | 63.49% | 61.64% | 58.25% | 58.27% | -1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Minneapolis, MN · Charter 63988 · 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 21 of 25
Net Interest Margin
3.60%
Rank 15 of 25
Efficiency Ratio
106.49%
Rank 22 of 25
Equity / Assets
24.60%
Rank 3 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.38% | -0.29% | 0.38% | 0.84% | Beats 16% | 21 / 25 | ||
| Return on Equity | -1.54% | -1.54% | 3.43% | 5.67% | Beats 24% | 19 / 25 | ||
| Net Interest Margin | 3.60% | 3.36% | 3.62% | 4.13% | Beats 40% | 15 / 25 | ||
| Efficiency Ratio | 106.49% | 75.76% | 88.22% | 93.38% | Beats 16% | 22 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.29% | 0.62% | 1.02% | Beats 24% | 20 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.60% | 10.07% | 11.51% | 14.55% | Beats 88% | 3 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.60% | 10.07% | 11.51% | 14.55% | Beats 88% | 3 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.28% | 59.49% | 71.17% | 86.44% | 20th pctl | 20 / 25 | ||
| Loans / Assets | 43.49% | 53.45% | 61.94% | 76.61% | 12th pctl | 22 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||