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Leading Edge

Worthington, MN · Charter 66867

NCUA · 5 branches

Q2 2026

$143.2MAssets
$113.0MLoans
$128.7MShares
$12.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.28%, down 3 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.96% of loans (-34 bps YoY).
  • Capital: net worth / assets of 8.96%, up 30 bps from a year ago.
  • Funding: loans stand at 87.84% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.28%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.50%+33 bps YoY

Efficiency Ratio (quarter, annualized)

88.07%-84 bps YoY

Net Worth / Assets

8.96%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.37%0.29%0.15%0.28%-3 bps
Return on Equity3.65%4.11%3.19%1.68%3.15%-49 bps
Net Interest Margin3.17%3.28%3.30%3.26%3.50%+33 bps
Efficiency Ratio88.91%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 / Loans1.30%0.96%0.77%0.85%0.96%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.66%8.94%9.10%8.69%8.96%+30 bps
Net Worth / Assets8.66%8.94%9.10%8.69%8.96%+30 bps
Liquidity & Funding
Loans / Shares83.93%86.12%88.44%80.72%87.84%+391 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps