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 | |