Duluth, MN · Charter 64655
NCUA · 2 branches
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
13
Asset Quality
25
Profitability
36
Liquidity
23
Efficiency
12
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 64655
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.12% | 0.24% | 0.74% | 0.68% | 0.63% | 0.84% | 0.56% | -18 bps | |
| Return on Equity | 10.09% | 9.79% | 2.18% | 6.74% | 6.18% | 5.79% | 7.98% | 5.16% | -157 bps | |
| Net Interest Margin | 5.09% | 5.00% | 4.77% | 4.85% | 4.92% | 4.89% | 5.00% | 4.88% | +3 bps | |
| Efficiency Ratio | 73.79% | 73.70% | 79.62% | 77.21% | 75.83% | 75.20% | 83.29% | 86.34% | +913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 6.84% | 9.24% | 12.31% | 11.40% | 10.49% | 11.03% | 6.34% | -597 bps | |
| Loan Growth (YoY) | 15.91% | 8.67% | 4.82% | 3.67% | 3.88% | 8.30% | 10.49% | 10.00% | +633 bps | |
| Share Growth (YoY) | 2.36% | 7.58% | 9.21% | 12.50% | 11.41% | 10.73% | 11.85% | 6.60% | -590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.50% | 1.33% | 1.60% | 1.62% | 1.87% | 1.50% | 1.92% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 11.40% | 10.88% | 10.94% | 11.05% | 10.90% | 10.51% | 10.79% | -16 bps | |
| Net Worth / Assets | 11.52% | 11.40% | 10.88% | 10.94% | 11.05% | 10.90% | 10.51% | 10.79% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.55% | 95.40% | 89.38% | 90.12% | 92.81% | 93.30% | 88.29% | 92.99% | +288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, MN · Charter 64655 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
0.56%
Rank 14 of 16
Net Interest Margin
4.88%
Rank 4 of 16
Efficiency Ratio
86.36%
Rank 15 of 16
Equity / Assets
10.79%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.85% | 1.44% | 2.05% | Beats 13% | 14 / 16 | ||
| Return on Equity | 5.16% | 6.27% | 10.66% | 13.40% | Beats 19% | 13 / 16 | ||
| Net Interest Margin | 4.88% | 4.07% | 4.17% | 4.88% | Beats 75% | 4 / 16 | ||
| Efficiency Ratio | 86.36% | 63.01% | 70.37% | 80.78% | Beats 12% | 15 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.92% | 0.32% | 0.86% | 1.92% | Beats 25% | 13 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.79% | 13.43% | 14.66% | 16.97% | Beats 13% | 14 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.79% | 13.43% | 14.66% | 16.97% | Beats 13% | 14 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.00% | 67.52% | 85.26% | 93.00% | 75th pctl | 4 / 16 | ||
| Loans / Assets | 81.48% | 52.10% | 73.80% | 79.04% | 81st pctl | 3 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||