Apple Valley, MN · Charter 68601
NCUA · 32 branches
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.15% | 0.16% | 0.17% | 0.50% | 0.71% | 0.90% | 0.92% | +75 bps | |
| Return on Equity | 1.82% | 1.27% | 1.37% | 1.47% | 4.41% | 6.00% | 7.36% | 7.33% | +586 bps | |
| Net Interest Margin | 1.86% | 2.00% | 2.02% | 2.04% | 2.18% | 2.32% | 2.46% | 2.52% | +48 bps | |
| Efficiency Ratio | 77.40% | 76.29% | 74.64% | 70.93% | 68.70% | 65.29% | 62.12% | 62.25% | -868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.75% | 5.50% | -1.50% | -2.42% | -1.86% | 1.60% | 0.93% | -0.51% | +191 bps | |
| Loan Growth (YoY) | 15.36% | 9.17% | 0.57% | 3.52% | 5.16% | 7.20% | 9.96% | 7.45% | +393 bps | |
| Share Growth (YoY) | 3.93% | 4.12% | 0.88% | 3.73% | 5.00% | 5.69% | 5.84% | 4.37% | +65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.74% | 0.39% | 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 | 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 | 10.99% | 11.60% | 11.67% | 11.63% | 11.35% | 11.86% | 12.28% | 12.60% | +97 bps | |
| Net Worth / Assets | 10.99% | 11.60% | 11.67% | 11.63% | 11.35% | 11.86% | 12.28% | 12.60% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.65% | 97.60% | 97.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |