Austin, MN · Charter 64186
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
100
Profitability
87
Liquidity
91
Efficiency
84
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.
Austin, MN · Charter 64186
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 | 1.59% | 1.63% | 0.98% | 1.55% | 1.70% | 1.80% | 1.92% | 1.86% | +31 bps | |
| Return on Equity | 9.77% | 9.80% | 5.88% | 8.73% | 9.36% | 9.77% | 10.20% | 9.72% | +100 bps | |
| Net Interest Margin | 4.46% | 4.50% | 4.63% | 4.89% | 4.89% | 4.83% | 4.78% | 4.77% | -12 bps | |
| Efficiency Ratio | 65.21% | 65.10% | 68.81% | 64.92% | 64.21% | 63.32% | 63.67% | 64.49% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.71% | 3.28% | 3.24% | -1.80% | -0.94% | -0.07% | -1.11% | 3.61% | +541 bps | |
| Loan Growth (YoY) | 4.25% | 5.13% | 3.70% | 2.03% | -5.46% | -3.39% | -4.44% | -1.42% | -346 bps | |
| Share Growth (YoY) | 4.94% | 2.25% | 2.28% | -3.86% | -3.27% | -2.28% | -3.85% | 1.82% | +568 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.37% | 0.12% | 1.14% | 0.35% | 0.06% | 0.00% | 0.00% | -114 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 | 16.25% | 16.60% | 16.61% | 17.77% | 18.11% | 18.39% | 18.80% | 19.09% | +132 bps | |
| Net Worth / Assets | 16.25% | 16.60% | 16.61% | 17.77% | 18.11% | 18.39% | 18.80% | 19.09% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.75% | 71.91% | 69.91% | 73.83% | 70.12% | 71.09% | 69.47% | 71.48% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, MN · Charter 64186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.85%
Rank 105 of 1,683
Net Interest Margin
4.77%
Rank 221 of 1,683
Efficiency Ratio
64.36%
Rank 276 of 1,682
Equity / Assets
19.09%
Rank 268 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.85% | 0.35% | 0.74% | 1.18% | Beats 94% | 105 / 1,683 | ||
| Return on Equity | 9.68% | 2.67% | 5.89% | 8.74% | Beats 81% | 319 / 1,681 | ||
| Net Interest Margin | 4.77% | 3.31% | 3.82% | 4.32% | Beats 87% | 221 / 1,683 | ||
| Efficiency Ratio | 64.36% | 68.91% | 78.20% | 86.93% | Beats 84% | 276 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.09% | 10.44% | 12.89% | 16.53% | Beats 84% | 268 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.09% | 10.44% | 12.89% | 16.53% | Beats 84% | 268 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.49% | 52.61% | 69.38% | 83.50% | 54th pctl | 774 / 1,683 | ||
| Loans / Assets | 57.53% | 44.71% | 59.18% | 70.72% | 46th pctl | 902 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||