West St Paul, MN · Charter 64089
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
75
Profitability
30
Liquidity
68
Efficiency
3
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.
West St Paul, MN · Charter 64089
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 | -1.45% | -0.59% | -0.40% | -0.86% | -0.86% | -0.95% | -0.66% | -0.84% | +2 bps | |
| Return on Equity | -7.91% | -3.07% | -2.15% | -4.54% | -4.61% | -5.12% | -3.49% | -4.41% | +13 bps | |
| Net Interest Margin | 3.54% | 3.61% | 4.36% | 4.17% | 4.19% | 4.35% | 4.63% | 4.45% | +28 bps | |
| Efficiency Ratio | 134.38% | 115.86% | 108.52% | 118.90% | 118.30% | 114.32% | 113.39% | 116.68% | -222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.00% | -3.63% | -2.86% | -5.34% | -1.75% | -2.03% | -5.78% | -5.00% | +34 bps | |
| Loan Growth (YoY) | -6.87% | -6.91% | -6.21% | -5.47% | -1.91% | 0.58% | -0.11% | -4.76% | +72 bps | |
| Share Growth (YoY) | -6.10% | -3.21% | -2.51% | -5.54% | -1.17% | -1.16% | -5.99% | -5.09% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.96% | 0.92% | 0.91% | 0.69% | 0.00% | 0.00% | 0.25% | -65 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.40% | 19.18% | 18.67% | 18.88% | 18.60% | 18.62% | 18.79% | 18.92% | +4 bps | |
| Net Worth / Assets | 18.40% | 19.18% | 18.67% | 18.88% | 18.60% | 18.62% | 18.79% | 18.92% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.66% | 76.71% | 74.37% | 76.36% | 72.12% | 78.07% | 79.01% | 76.63% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West St Paul, MN · Charter 64089 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.83%
Rank 1,602 of 1,683
Net Interest Margin
4.45%
Rank 349 of 1,683
Efficiency Ratio
116.59%
Rank 1,633 of 1,682
Equity / Assets
18.92%
Rank 276 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.83% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,602 / 1,683 | ||
| Return on Equity | -4.39% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,587 / 1,681 | ||
| Net Interest Margin | 4.45% | 3.31% | 3.82% | 4.32% | Beats 79% | 349 / 1,683 | ||
| Efficiency Ratio | 116.59% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,633 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 420 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 276 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 276 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.62% | 52.61% | 69.38% | 83.50% | 63rd pctl | 624 / 1,683 | ||
| Loans / Assets | 62.08% | 44.71% | 59.18% | 70.72% | 57th pctl | 727 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||