Saint Paul, MN · Charter 68469
NCUA · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25 to 26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
76
Profitability
53
Liquidity
49
Efficiency
50
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.
Saint Paul, MN · Charter 68469
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.69% | 0.69% | 0.41% | 0.60% | 0.53% | 0.40% | 0.40% | 0 bps | |
| Return on Equity | 7.10% | 6.86% | 7.45% | 4.43% | 6.41% | 5.47% | 3.88% | 3.87% | -56 bps | |
| Net Interest Margin | 3.18% | 3.14% | 2.92% | 3.31% | 3.39% | 3.57% | 3.90% | 3.54% | +23 bps | |
| Efficiency Ratio | 79.81% | 81.30% | 80.28% | 88.67% | 82.84% | 80.35% | 81.88% | 90.17% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | -7.86% | 3.80% | 11.42% | 16.80% | 11.18% | -7.32% | -9.13% | -2,055 bps | |
| Loan Growth (YoY) | 4.29% | 7.46% | 6.65% | 3.55% | 1.95% | 3.67% | 2.42% | -5.61% | -915 bps | |
| Share Growth (YoY) | -0.99% | -8.75% | 4.12% | 11.43% | 16.96% | 7.60% | -8.83% | -10.52% | -2,194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.00% | 0.00% | 0.57% | 0.56% | 0.54% | 0.10% | 0.19% | -39 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 | 10.13% | 10.12% | 9.29% | 9.19% | 9.28% | 9.67% | 10.37% | 10.45% | +126 bps | |
| Net Worth / Assets | 10.13% | 10.12% | 9.29% | 9.19% | 9.28% | 9.67% | 10.37% | 10.45% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.87% | 60.33% | 53.38% | 52.88% | 52.19% | 58.13% | 59.96% | 55.79% | +290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Paul, MN · Charter 68469 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25-26)
NCUA · 2 branches
Q1 2026
Return on Assets
0.41%
Rank 12 of 26
Net Interest Margin
3.55%
Rank 13 of 26
Efficiency Ratio
90.11%
Rank 14 of 26
Equity / Assets
10.45%
Rank 17 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | -0.13% | 0.40% | 0.67% | Beats 54% | 12 / 26 | ||
| Return on Equity | 3.89% | -1.37% | 3.76% | 5.95% | Beats 54% | 12 / 26 | ||
| Net Interest Margin | 3.55% | 3.26% | 3.55% | 4.15% | Beats 50% | 13 / 26 | ||
| Efficiency Ratio | 90.11% | 78.33% | 90.11% | 96.47% | Beats 50% | 14 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.54% | 0.80% | Beats 76% | 7 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.45% | 9.87% | 11.03% | 14.02% | Beats 35% | 17 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.45% | 9.87% | 11.03% | 14.02% | Beats 35% | 17 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.79% | 58.25% | 68.25% | 81.66% | 12th pctl | 23 / 26 | ||
| Loans / Assets | 49.37% | 51.57% | 59.22% | 71.45% | 19th pctl | 21 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||