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 | |