Worthington, MN · Charter 66867
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
34
Profitability
28
Liquidity
19
Efficiency
22
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.
Worthington, MN · Charter 66867
NCUA · 5 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 | 0.32% | 0.37% | 0.29% | 0.15% | 0.28% | -3 bps | |
| Return on Equity | 3.65% | 4.11% | 3.19% | 1.68% | 3.15% | -49 bps | |
| Net Interest Margin | 3.17% | 3.28% | 3.30% | 3.26% | 3.50% | +33 bps | |
| Efficiency Ratio | 88.91% | 87.49% | 88.47% | 92.23% | 88.07% | -84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.75% | -1.96% | -2.85% | -2.93% | -1.16% | -191 bps | |
| Loan Growth (YoY) | -2.57% | 0.19% | 2.79% | 3.81% | 7.90% | +1,047 bps | |
| Share Growth (YoY) | 2.91% | 1.70% | -0.05% | 1.24% | 3.10% | +19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 0.96% | 0.77% | 0.85% | 0.96% | -34 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 | 8.66% | 8.94% | 9.10% | 8.69% | 8.96% | +30 bps | |
| Net Worth / Assets | 8.66% | 8.94% | 9.10% | 8.69% | 8.96% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.93% | 86.12% | 88.44% | 80.72% | 87.84% | +391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Worthington, MN · Charter 66867 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.28%
Rank 1,324 of 1,683
Net Interest Margin
3.50%
Rank 1,122 of 1,683
Efficiency Ratio
88.10%
Rank 1,308 of 1,682
Equity / Assets
8.96%
Rank 1,511 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,324 / 1,683 | |
| Return on Equity | 3.15% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,197 / 1,681 | |
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,122 / 1,683 | |
| Efficiency Ratio | 88.10% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,308 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,105 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.96% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,511 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.96% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,511 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.84% | 52.61% | 69.38% | 83.50% | 83rd pctl | 287 / 1,683 | |
| Loans / Assets | 78.94% | 44.71% | 59.18% | 70.72% | 90th pctl | 166 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||