Worthington, MN · Charter 66867
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.09% | 0.12% | 0.32% | 0.37% | 0.29% | 0.15% | 0.28% | -3 bps | |
| Return on Equity | 1.43% | 1.03% | 1.46% | 3.65% | 4.11% | 3.19% | 1.68% | 3.15% | -49 bps | |
| Net Interest Margin | 2.86% | 2.88% | 2.81% | 3.17% | 3.28% | 3.30% | 3.26% | 3.50% | +33 bps | |
| Efficiency Ratio | 95.11% | 95.94% | 93.97% | 88.91% | 87.49% | 88.47% | 92.23% | 88.07% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | -1.52% | 0.69% | 0.75% | -1.96% | -2.85% | -2.93% | -1.16% | -191 bps | |
| Loan Growth (YoY) | -1.43% | -4.35% | -4.28% | -2.57% | 0.19% | 2.79% | 3.81% | 7.90% | +1,047 bps | |
| Share Growth (YoY) | -5.35% | -3.21% | 2.76% | 2.91% | 1.70% | -0.05% | 1.24% | 3.10% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.94% | 1.16% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.56% | 8.63% | 8.22% | 8.66% | 8.94% | 9.10% | 8.69% | 8.96% | +30 bps | |
| Net Worth / Assets | 8.56% | 8.63% | 8.22% | 8.66% | 8.94% | 9.10% | 8.69% | 8.96% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.42% | 86.00% | 78.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |