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Letter portraitLegal landscapeQuarterYTD

Catholic United Financial

Saint Paul, MN · Charter 68469

NCUA · 2 branches

Q1 2026

$34.4MAssets
$17.0MLoans
$30.4MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, unchanged from a year ago; NIM at 3.54%.
  • Asset quality: problem loans at 0.19% of loans (-39 bps YoY).
  • Capital: net worth / assets of 10.45%, up 126 bps from a year ago.
  • Funding: loans stand at 55.79% of shares as of Q1 2026.

Return on Assets (YTD, annualized)

0.40%0 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+23 bps YoY

Efficiency Ratio (YTD, annualized)

90.17%+151 bps YoY

Net Worth / Assets

10.45%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.69%0.69%0.41%0.60%0.53%0.40%0.40%0 bps
Return on Equity7.10%6.86%7.45%4.43%6.41%5.47%3.88%3.87%-56 bps
Net Interest Margin3.18%3.14%2.92%3.31%3.39%3.57%3.90%3.54%+23 bps
Efficiency Ratio79.81%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 / Loans0.20%0.00%0.00%0.57%0.56%0.54%0.10%0.19%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.13%10.12%9.29%9.19%9.28%9.67%10.37%10.45%+126 bps
Net Worth / Assets10.13%10.12%9.29%9.19%9.28%9.67%10.37%10.45%+126 bps
Liquidity & Funding
Loans / Shares59.87%60.33%53.38%52.88%52.19%58.13%59.96%55.79%+290 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps