West St Paul, MN · Charter 64089
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |