Saint Paul, MN · Charter 64999
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.86% | 0.63% | -0.09% | -0.36% | -88 bps | |
| Return on Equity | 5.27% | 8.45% | 6.15% | -0.93% | -3.75% | -902 bps | |
| Net Interest Margin | 3.83% | 3.94% | 4.13% | 3.76% | 3.90% | +7 bps | |
| Efficiency Ratio | 87.84% | 81.78% | 84.15% | 93.10% | 92.57% | +473 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.33% | 0.91% | 1.71% | -2.95% | 4.33% | +766 bps | |
| Loan Growth (YoY) | -3.16% | 7.97% | 8.80% | 14.07% | 6.43% | +959 bps | |
| Share Growth (YoY) | -5.88% | -0.32% | 0.28% | -4.28% | 4.11% | +1,000 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.83% | 10.13% | 10.22% | 9.87% | 9.59% | -24 bps | |
| Net Worth / Assets | 9.83% | 10.13% | 10.22% | 9.87% | 9.59% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |