Duluth, MN · Charter 64655
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.68% | 0.63% | 0.84% | 0.56% | -18 bps | |
| Return on Equity | 6.74% | 6.18% | 5.79% | 7.98% | 5.16% | -157 bps | |
| Net Interest Margin | 4.85% | 4.92% | 4.89% | 5.00% | 4.88% | +3 bps | |
| Efficiency Ratio | 77.21% | 75.83% | 75.20% | 83.29% | 86.34% | +913 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.31% | 11.40% | 10.49% | 11.03% | 6.34% | -597 bps | |
| Loan Growth (YoY) | 3.67% | 3.88% | 8.30% | 10.49% | 10.00% | +633 bps | |
| Share Growth (YoY) | 12.50% | 11.41% | 10.73% | 11.85% | 6.60% | -590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 11.05% | 10.90% | 10.51% | 10.79% | -16 bps | |
| Net Worth / Assets | 10.94% | 11.05% | 10.90% | 10.51% | 10.79% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |