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 | |