Oakdale, MN · Charter 65063
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
40
Asset Quality
44
Profitability
75
Liquidity
52
Efficiency
84
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.
Oakdale, MN · Charter 65063
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 | 1.06% | 1.11% | 1.16% | 1.09% | 1.07% | +2 bps | |
| Return on Equity | 10.53% | 10.76% | 11.03% | 10.54% | 9.75% | -78 bps | |
| Net Interest Margin | 3.41% | 3.46% | 3.49% | 3.49% | 3.67% | +27 bps | |
| Efficiency Ratio | 71.24% | 70.88% | 69.93% | 74.02% | 72.09% | +85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.55% | 4.86% | 3.99% | 3.07% | 1.79% | -276 bps | |
| Loan Growth (YoY) | 3.66% | 2.96% | 3.72% | 2.80% | 6.08% | +243 bps | |
| Share Growth (YoY) | 3.57% | 4.05% | 3.04% | 2.09% | 0.66% | -291 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.58% | 0.66% | 0.66% | 0.66% | +21 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 | 10.03% | 10.29% | 10.56% | 10.39% | 11.00% | +97 bps | |
| Net Worth / Assets | 10.03% | 10.29% | 10.56% | 10.39% | 11.00% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.46% | 79.62% | 79.67% | 76.46% | 81.64% | +417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oakdale, MN · Charter 65063 · 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
1.07%
Rank 4 of 25
Net Interest Margin
3.67%
Rank 12 of 25
Efficiency Ratio
72.10%
Rank 5 of 25
Equity / Assets
11.00%
Rank 15 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | -0.29% | 0.38% | 0.84% | Beats 84% | 4 / 25 | |
| Return on Equity | 9.75% | -1.54% | 3.43% | 5.67% | Beats 88% | 3 / 25 | |
| Net Interest Margin | 3.67% | 3.36% | 3.62% | 4.13% | Beats 52% | 12 / 25 | |
| Efficiency Ratio | 72.10% | 75.76% | 88.22% | 93.38% | Beats 84% | 5 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.29% | 0.62% | 1.02% | Beats 44% | 15 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.00% | 10.07% | 11.51% | 14.55% | Beats 40% | 15 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.00% | 10.07% | 11.51% | 14.55% | Beats 40% | 15 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.64% | 59.49% | 71.17% | 86.44% | 60th pctl | 10 / 25 | |
| Loans / Assets | 72.29% | 53.45% | 61.94% | 76.61% | 64th pctl | 9 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||