South Saint Pau, MN · Charter 65448
NCUA · 1 branch
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
76
Asset Quality
100
Profitability
55
Liquidity
0
Efficiency
44
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.
South Saint Pau, MN · Charter 65448
NCUA · 1 branch
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 | 0.44% | 0.30% | 0.05% | 0.33% | 0.42% | 0.26% | 0.20% | 0.38% | +6 bps | |
| Return on Equity | 2.63% | 1.78% | 0.29% | 1.98% | 2.53% | 1.61% | 1.23% | 2.35% | +36 bps | |
| Net Interest Margin | 4.08% | 4.09% | 3.95% | 4.03% | 4.22% | 4.19% | 4.17% | 4.15% | +13 bps | |
| Efficiency Ratio | 89.99% | 93.30% | 98.85% | 92.45% | 90.60% | 94.14% | 95.38% | 91.27% | -118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | 0.42% | 1.48% | 2.02% | 2.37% | 3.17% | 1.32% | 2.03% | 0 bps | |
| Loan Growth (YoY) | -6.18% | -3.54% | -4.27% | 8.15% | 6.93% | 1.82% | 8.19% | -3.54% | -1,170 bps | |
| Share Growth (YoY) | -4.83% | 0.18% | 1.52% | 2.00% | 2.49% | 3.42% | 1.37% | 2.24% | +24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.22% | 1.18% | 1.22% | 1.11% | 1.14% | 1.16% | 1.13% | 1.15% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.87% | 16.70% | 16.34% | 16.43% | 16.76% | 16.45% | 16.43% | 16.40% | -3 bps | |
| Net Worth / Assets | 16.87% | 16.70% | 16.34% | 16.43% | 16.76% | 16.45% | 16.43% | 16.40% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.22% | 103.33% | 97.65% | 107.47% | 105.61% | 101.73% | 104.21% | 101.39% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Saint Pau, MN · Charter 65448 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
0.38%
Rank 13 of 25
Net Interest Margin
4.13%
Rank 7 of 25
Efficiency Ratio
91.91%
Rank 15 of 25
Equity / Assets
16.40%
Rank 6 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | -0.29% | 0.38% | 0.84% | Beats 48% | 13 / 25 | ||
| Return on Equity | 2.32% | -1.54% | 3.43% | 5.67% | Beats 44% | 14 / 25 | ||
| Net Interest Margin | 4.13% | 3.36% | 3.62% | 4.13% | Beats 72% | 7 / 25 | ||
| Efficiency Ratio | 91.91% | 75.76% | 88.22% | 93.38% | Beats 44% | 15 / 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 | 16.40% | 10.07% | 11.51% | 14.55% | Beats 76% | 6 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.40% | 10.07% | 11.51% | 14.55% | Beats 76% | 6 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.38% | 59.49% | 71.17% | 86.44% | 96th pctl | 1 / 25 | ||
| Loans / Assets | 84.54% | 53.45% | 61.94% | 76.61% | 96th pctl | 1 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||