Brainerd, MN · Charter 68389
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 | 1.09% | 0.95% | 0.75% | 1.01% | 1.11% | 1.12% | 1.18% | 0.95% | -6 bps | |
| Return on Equity | 12.31% | 10.62% | 8.39% | 10.60% | 11.57% | 11.55% | 12.43% | 10.06% | -54 bps | |
| Net Interest Margin | 2.79% | 2.77% | 2.79% | 3.01% | 3.03% | 3.05% | 3.06% | 2.77% | -23 bps | |
| Efficiency Ratio | 61.58% | 65.87% | 66.11% | 62.37% | 60.55% | 60.76% | 62.92% | 66.77% | +440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.70% | 8.52% | 8.47% | 4.32% | 2.62% | 4.15% | 7.86% | 13.28% | +896 bps | |
| Loan Growth (YoY) | 5.55% | 4.73% | 5.50% | 11.75% | 7.25% | 7.06% | 6.61% | 2.60% | -915 bps | |
| Share Growth (YoY) | 4.19% | 8.12% | 8.81% | 3.65% | 1.53% | 3.33% | 7.05% | 13.16% | +951 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.05% | 0.12% | 0.04% | 0.14% | 0.01% | 0.01% | 0.02% | -2 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 | 8.84% | 8.94% | 8.94% | 9.48% | 9.58% | 9.70% | 9.47% | 9.43% | -5 bps | |
| Net Worth / Assets | 8.84% | 8.94% | 8.94% | 9.48% | 9.58% | 9.70% | 9.47% | 9.43% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.82% | 85.59% | 84.05% | 92.07% | 89.60% | 88.68% | 83.70% | 83.48% | -859 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |