Apple Valley, MN · Charter 68601
NCUA · 32 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=428). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
86
Profitability
48
Liquidity
17
Efficiency
85
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.
Apple Valley, MN · Charter 68601
NCUA · 32 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.50% | 0.71% | 0.90% | 0.92% | +75 bps | |
| Return on Equity | 1.47% | 4.41% | 6.00% | 7.36% | 7.33% | +586 bps | |
| Net Interest Margin | 2.04% | 2.18% | 2.32% | 2.46% | 2.52% | +48 bps | |
| Efficiency Ratio | 70.93% | 68.70% | 65.29% | 62.12% | 62.25% | -868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.42% | -1.86% | 1.60% | 0.93% | -0.51% | +191 bps | |
| Loan Growth (YoY) | 3.52% | 5.16% | 7.20% | 9.96% | 7.45% | +393 bps | |
| Share Growth (YoY) | 3.73% | 5.00% | 5.69% | 5.84% | 4.37% | +65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.52% | 0.31% | 0.28% | 0.34% | -29 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 | 11.63% | 11.35% | 11.86% | 12.28% | 12.60% | +97 bps | |
| Net Worth / Assets | 11.63% | 11.35% | 11.86% | 12.28% | 12.60% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.96% | 95.79% | 99.00% | 101.58% | 99.82% | +286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Apple Valley, MN · Charter 68601 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 32 branches
Q4 2025
Return on Assets
0.92%
Rank 130 of 428
Net Interest Margin
2.52%
Rank 371 of 428
Efficiency Ratio
62.25%
Rank 64 of 428
Equity / Assets
12.60%
Rank 97 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.47% | 0.71% | 1.00% | Beats 70% | 130 / 428 | |
| Return on Equity | 7.33% | 4.35% | 6.65% | 8.96% | Beats 60% | 172 / 428 | |
| Net Interest Margin | 2.52% | 2.83% | 3.23% | 3.60% | Beats 13% | 371 / 428 | |
| Efficiency Ratio | 62.25% | 65.54% | 72.60% | 78.49% | Beats 85% | 64 / 428 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.46% | 0.75% | 1.06% | Beats 86% | 59 / 428 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.60% | 9.74% | 10.76% | 12.36% | Beats 77% | 97 / 428 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.60% | 9.74% | 10.76% | 12.36% | Beats 77% | 97 / 428 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.82% | 77.85% | 88.44% | 95.44% | 86th pctl | 61 / 428 | |
| Loans / Assets | 78.42% | 67.70% | 74.57% | 80.54% | 65th pctl | 150 / 428 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||