Duluth, MN · Charter 64359
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 in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
69
Profitability
31
Liquidity
60
Efficiency
87
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.
Duluth, MN · Charter 64359
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 | 1.05% | 1.11% | 0.91% | 1.69% | 1.49% | +45 bps | |
| Return on Equity | 4.83% | 5.09% | 4.09% | 7.67% | 6.53% | +171 bps | |
| Net Interest Margin | 2.77% | 2.89% | 2.85% | 3.44% | 3.27% | +50 bps | |
| Efficiency Ratio | 62.32% | 61.70% | 68.22% | 50.85% | 54.42% | -790 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.96% | 2.44% | -1.32% | 0.78% | -0.14% | +283 bps | |
| Loan Growth (YoY) | -6.53% | -6.60% | -5.57% | -2.53% | -9.18% | -265 bps | |
| Share Growth (YoY) | -4.77% | 1.91% | -2.81% | -0.27% | -1.61% | +317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.53% | 0.02% | 0.02% | 0.41% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.56% | 0.57% | 0.58% | 0.61% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.68% | 21.85% | 22.18% | 22.09% | 22.84% | +116 bps | |
| Net Worth / Assets | 21.68% | 21.85% | 22.18% | 22.09% | 22.84% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.16% | 72.36% | 71.85% | 69.33% | 67.53% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, MN · Charter 64359 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
1.48%
Rank 7 of 16
Net Interest Margin
3.27%
Rank 15 of 16
Efficiency Ratio
54.69%
Rank 3 of 16
Equity / Assets
22.83%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 0.85% | 1.44% | 2.05% | Beats 56% | 7 / 16 | |
| Return on Equity | 6.48% | 6.27% | 10.66% | 13.40% | Beats 31% | 11 / 16 | |
| Net Interest Margin | 3.27% | 4.07% | 4.17% | 4.88% | Beats 6% | 15 / 16 | |
| Efficiency Ratio | 54.69% | 63.01% | 70.37% | 80.78% | Beats 87% | 3 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.32% | 0.86% | 1.92% | Beats 69% | 6 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.83% | 13.43% | 14.66% | 16.97% | Beats 94% | 1 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.83% | 13.43% | 14.66% | 16.97% | Beats 94% | 1 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.52% | 67.52% | 85.26% | 93.00% | 25th pctl | 12 / 16 | |
| Loans / Assets | 52.10% | 52.10% | 73.80% | 79.04% | 25th pctl | 12 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||