PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mower County Employees

Austin, MN · Charter 64518

NCUA · 1 branch

Q2 2026

$13.4MAssets
$12.2MLoans
$11.2MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of 3.35%, up 161 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.17% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.67%, down 29 bps from a year ago.
  • Funding: loans stand at 108.78% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

3.35%+161 bps YoY

Net Interest Margin (quarter, annualized)

3.99%+9 bps YoY

Efficiency Ratio (quarter, annualized)

70.58%-67 bps YoY

Net Worth / Assets

14.67%-29 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.25%2.19%1.73%1.36%0.22%5.71%3.35%+161 bps
Return on Equity2.78%1.76%15.01%11.57%9.40%1.71%40.87%22.80%+1,123 bps
Net Interest Margin3.77%3.66%3.69%3.90%3.68%3.52%3.80%3.99%+9 bps
Efficiency Ratio75.73%76.18%80.42%71.24%73.36%71.75%76.57%70.58%-67 bps
Growth
Asset Growth (YoY)-3.75%1.43%1.28%2.73%8.80%11.30%13.98%10.30%+756 bps
Loan Growth (YoY)5.54%6.11%12.16%11.87%10.78%20.30%19.60%10.47%-140 bps
Share Growth (YoY)-5.72%1.66%3.80%5.81%12.32%12.83%13.09%9.22%+342 bps
Asset Quality
Delinquent Loans / Loans0.58%0.66%1.66%0.17%0.02%0.02%0.10%0.17%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.82%14.17%14.60%14.96%14.42%12.95%13.97%14.67%-29 bps
Net Worth / Assets15.82%14.17%14.60%14.96%14.42%12.95%13.97%14.67%-29 bps
Liquidity & Funding
Loans / Shares107.04%104.15%105.35%107.55%105.58%111.04%111.41%108.78%+123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps