Inver Grove Hei, MN · Charter 64168
NCUA · 4 branches
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
24
Asset Quality
36
Profitability
29
Liquidity
94
Efficiency
60
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.
Inver Grove Hei, MN · Charter 64168
NCUA · 4 branches
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 | 0.13% | 0.10% | 0.12% | 0.08% | 0.10% | 0.22% | 0.17% | 0.03% | -4 bps | |
| Return on Equity | 1.33% | 1.06% | 1.30% | 0.81% | 1.09% | 2.19% | 1.77% | 0.33% | -48 bps | |
| Net Interest Margin | 2.74% | 2.77% | 2.88% | 2.98% | 3.07% | 3.17% | 3.26% | 3.36% | +39 bps | |
| Efficiency Ratio | 91.77% | 90.68% | 87.74% | 90.05% | 88.63% | 86.12% | 89.38% | 83.64% | -641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.89% | -6.46% | -4.29% | -1.23% | -0.54% | -2.07% | -2.69% | -3.67% | -244 bps | |
| Loan Growth (YoY) | -10.11% | -9.24% | -7.15% | -4.00% | -0.52% | -0.21% | -2.37% | -3.82% | +17 bps | |
| Share Growth (YoY) | -2.27% | -3.28% | -2.59% | -3.55% | -2.93% | -4.45% | -4.06% | -1.54% | +201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.52% | 0.28% | 0.94% | 0.54% | 0.59% | 0.39% | 0.83% | -11 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 | 9.54% | 9.55% | 9.39% | 9.54% | 9.60% | 9.89% | 9.79% | 10.07% | +54 bps | |
| Net Worth / Assets | 9.54% | 9.55% | 9.39% | 9.54% | 9.60% | 9.89% | 9.79% | 10.07% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.46% | 69.47% | 67.07% | 71.16% | 73.23% | 72.55% | 68.25% | 69.51% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Inver Grove Hei, MN · Charter 64168 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 4 branches
Q2 2026
Return on Assets
0.03%
Rank 17 of 25
Net Interest Margin
3.36%
Rank 19 of 25
Efficiency Ratio
83.65%
Rank 11 of 25
Equity / Assets
10.07%
Rank 19 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | -0.29% | 0.38% | 0.84% | Beats 32% | 17 / 25 | ||
| Return on Equity | 0.33% | -1.54% | 3.43% | 5.67% | Beats 32% | 17 / 25 | ||
| Net Interest Margin | 3.36% | 3.36% | 3.62% | 4.13% | Beats 24% | 19 / 25 | ||
| Efficiency Ratio | 83.65% | 75.76% | 88.22% | 93.38% | Beats 60% | 11 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.29% | 0.62% | 1.02% | Beats 36% | 17 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.07% | 10.07% | 11.51% | 14.55% | Beats 24% | 19 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.07% | 10.07% | 11.51% | 14.55% | Beats 24% | 19 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.51% | 59.49% | 71.17% | 86.44% | 44th pctl | 14 / 25 | ||
| Loans / Assets | 59.90% | 53.45% | 61.94% | 76.61% | 36th pctl | 16 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||