Austin, MN · Charter 64186
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 1.70% | 1.80% | 1.92% | 1.86% | +31 bps | |
| Return on Equity | 8.73% | 9.36% | 9.77% | 10.20% | 9.72% | +100 bps | |
| Net Interest Margin | 4.89% | 4.89% | 4.83% | 4.78% | 4.77% | -12 bps | |
| Efficiency Ratio | 64.92% | 64.21% | 63.32% | 63.67% | 64.49% | -43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.80% | -0.94% | -0.07% | -1.11% | 3.61% | +541 bps | |
| Loan Growth (YoY) | 2.03% | -5.46% | -3.39% | -4.44% | -1.42% | -346 bps | |
| Share Growth (YoY) | -3.86% | -3.27% | -2.28% | -3.85% | 1.82% | +568 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.77% | 18.11% | 18.39% | 18.80% | 19.09% | +132 bps | |
| Net Worth / Assets | 17.77% | 18.11% | 18.39% | 18.80% | 19.09% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |