Saint Paul, MN · Charter 68469
NCUA · 2 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.60% | 0.53% | 0.40% | 0.40% | 0 bps | |
| Return on Equity | 4.43% | 6.41% | 5.47% | 3.88% | 3.87% | -56 bps | |
| Net Interest Margin | 3.31% | 3.39% | 3.57% | 3.90% | 3.54% | +23 bps | |
| Efficiency Ratio | 88.67% | 82.84% | 80.35% | 81.88% | 90.17% | +151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.42% | 16.80% | 11.18% | -7.32% | -9.13% | -2,055 bps | |
| Loan Growth (YoY) | 3.55% | 1.95% | 3.67% | 2.42% | -5.61% | -915 bps | |
| Share Growth (YoY) | 11.43% | 16.96% | 7.60% | -8.83% | -10.52% | -2,194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.19% | 9.28% | 9.67% | 10.37% | 10.45% | +126 bps | |
| Net Worth / Assets | 9.19% | 9.28% | 9.67% | 10.37% | 10.45% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |