Saint Paul, MN · Charter 64999
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 Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
100
Profitability
33
Liquidity
52
Efficiency
40
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.
Saint Paul, MN · Charter 64999
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 | 0.23% | 0.41% | 0.22% | 0.52% | 0.86% | 0.63% | -0.09% | -0.36% | -88 bps | |
| Return on Equity | 2.45% | 4.24% | 2.41% | 5.27% | 8.45% | 6.15% | -0.93% | -3.75% | -902 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.52% | 3.83% | 3.94% | 4.13% | 3.76% | 3.90% | +7 bps | |
| Efficiency Ratio | 93.27% | 90.06% | 98.13% | 87.84% | 81.78% | 84.15% | 93.10% | 92.57% | +473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | -3.11% | 0.87% | -3.33% | 0.91% | 1.71% | -2.95% | 4.33% | +766 bps | |
| Loan Growth (YoY) | 7.60% | -0.88% | -3.91% | -3.16% | 7.97% | 8.80% | 14.07% | 6.43% | +959 bps | |
| Share Growth (YoY) | -2.29% | -6.04% | -0.76% | -5.88% | -0.32% | 0.28% | -4.28% | 4.11% | +1,000 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.46% | 0.00% | 0.00% | 0 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 | 9.40% | 9.75% | 9.03% | 9.83% | 10.13% | 10.22% | 9.87% | 9.59% | -24 bps | |
| Net Worth / Assets | 9.40% | 9.75% | 9.03% | 9.83% | 10.13% | 10.22% | 9.87% | 9.59% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.08% | 57.42% | 51.47% | 55.83% | 62.92% | 62.30% | 61.34% | 57.07% | +124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 64999 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.36%
Rank 20 of 25
Net Interest Margin
3.90%
Rank 8 of 25
Efficiency Ratio
92.48%
Rank 16 of 25
Equity / Assets
9.59%
Rank 23 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.36% | -0.29% | 0.38% | 0.84% | Beats 20% | 20 / 25 | ||
| Return on Equity | -3.73% | -1.54% | 3.43% | 5.67% | Beats 12% | 22 / 25 | ||
| Net Interest Margin | 3.90% | 3.36% | 3.62% | 4.13% | Beats 68% | 8 / 25 | ||
| Efficiency Ratio | 92.48% | 75.76% | 88.22% | 93.38% | Beats 40% | 16 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.29% | 0.62% | 1.02% | Beats 100% | 4 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.59% | 10.07% | 11.51% | 14.55% | Beats 8% | 23 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.59% | 10.07% | 11.51% | 14.55% | Beats 8% | 23 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.07% | 59.49% | 71.17% | 86.44% | 16th pctl | 21 / 25 | ||
| Loans / Assets | 53.28% | 53.45% | 61.94% | 76.61% | 20th pctl | 20 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||