West St Paul, MN · Charter 64089
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.86% | -0.86% | -0.95% | -0.66% | -0.84% | +2 bps | |
| Return on Equity | -4.54% | -4.61% | -5.12% | -3.49% | -4.41% | +13 bps | |
| Net Interest Margin | 4.17% | 4.19% | 4.35% | 4.63% | 4.45% | +28 bps | |
| Efficiency Ratio | 118.90% | 118.30% | 114.32% | 113.39% | 116.68% | -222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.34% | -1.75% | -2.03% | -5.78% | -5.00% | +34 bps | |
| Loan Growth (YoY) | -5.47% | -1.91% | 0.58% | -0.11% | -4.76% | +72 bps | |
| Share Growth (YoY) | -5.54% | -1.17% | -1.16% | -5.99% | -5.09% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.88% | 18.60% | 18.62% | 18.79% | 18.92% | +4 bps | |
| Net Worth / Assets | 18.88% | 18.60% | 18.62% | 18.79% | 18.92% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |