Alexandria, MN · Charter 64304
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
67
Asset Quality
4
Profitability
33
Liquidity
0
Efficiency
91
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.
Alexandria, MN · Charter 64304
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 | 1.07% | 1.12% | 1.04% | 0.99% | 0.80% | -27 bps | |
| Return on Equity | 7.33% | 7.54% | 7.12% | 6.74% | 5.36% | -197 bps | |
| Net Interest Margin | 2.11% | 2.13% | 2.09% | 2.01% | 1.85% | -25 bps | |
| Efficiency Ratio | 49.19% | 47.39% | 50.17% | 50.56% | 56.80% | +760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.79% | 6.72% | 6.44% | 8.53% | 4.19% | -361 bps | |
| Loan Growth (YoY) | -6.07% | -5.44% | -3.08% | -2.48% | 2.90% | +897 bps | |
| Share Growth (YoY) | 8.21% | 6.90% | 6.24% | 8.73% | 3.78% | -443 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.48% | 0.73% | 0.89% | 4.61% | +410 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.38% | 0.38% | 0.37% | 0.37% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.62% | 14.85% | 14.63% | 14.72% | 14.95% | +34 bps | |
| Net Worth / Assets | 14.62% | 14.85% | 14.63% | 14.72% | 14.95% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.47% | 93.62% | 91.92% | 91.62% | 93.66% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alexandria, MN · Charter 64304 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.80%
Rank 780 of 1,683
Net Interest Margin
1.86%
Rank 1,662 of 1,683
Efficiency Ratio
56.98%
Rank 145 of 1,682
Equity / Assets
14.96%
Rank 557 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.35% | 0.74% | 1.18% | Beats 54% | 780 / 1,683 | |
| Return on Equity | 5.34% | 2.67% | 5.89% | 8.74% | Beats 45% | 918 / 1,681 | |
| Net Interest Margin | 1.86% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,662 / 1,683 | |
| Efficiency Ratio | 56.98% | 68.91% | 78.20% | 86.93% | Beats 91% | 145 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.61% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,621 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.96% | 10.44% | 12.89% | 16.53% | Beats 67% | 557 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.96% | 10.44% | 12.89% | 16.53% | Beats 67% | 557 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.66% | 52.61% | 69.38% | 83.50% | 91st pctl | 146 / 1,683 | |
| Loans / Assets | 79.66% | 44.71% | 59.18% | 70.72% | 91st pctl | 145 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||