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Letter portraitLegal landscapeQuarterYTD

Duluth Police Department Employees

Duluth, MN · Charter 64359

NCUA · 1 branch

Q2 2026

$7.8MAssets
$4.1MLoans
$6.0MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.49%, up 45 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.41% of loans (+41 bps YoY).
  • Capital: net worth / assets of 22.84%, up 116 bps from a year ago.
  • Funding: loans stand at 67.53% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.49%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+50 bps YoY

Efficiency Ratio (quarter, annualized)

54.42%-790 bps YoY

Net Worth / Assets

22.84%+116 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.68%1.29%1.05%1.11%0.91%1.69%1.49%+45 bps
Return on Equity3.79%3.26%6.09%4.83%5.09%4.09%7.67%6.53%+171 bps
Net Interest Margin2.59%2.43%2.80%2.77%2.89%2.85%3.44%3.27%+50 bps
Efficiency Ratio68.74%71.85%53.85%62.32%61.70%68.22%50.85%54.42%-790 bps
Growth
Asset Growth (YoY)-14.46%-11.77%-5.61%-2.96%2.44%-1.32%0.78%-0.14%+283 bps
Loan Growth (YoY)-1.28%-5.26%-10.27%-6.53%-6.60%-5.57%-2.53%-9.18%-265 bps
Share Growth (YoY)-16.02%-10.83%-7.97%-4.77%1.91%-2.81%-0.27%-1.61%+317 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.53%0.02%0.02%0.41%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.54%0.56%0.56%0.56%0.57%0.58%0.61%+6 bps
Capital
Risk-Based Capital21.44%20.99%21.27%21.68%21.85%22.18%22.09%22.84%+116 bps
Net Worth / Assets21.44%20.99%21.27%21.68%21.85%22.18%22.09%22.84%+116 bps
Liquidity & Funding
Loans / Shares78.95%73.95%70.94%73.16%72.36%71.85%69.33%67.53%-563 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps