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 | |