Melrose, MN · Charter 68604
NCUA · 28 branches
Q2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.35% | 0.44% | 0.64% | 0.56% | 0.70% | 0.45% | 0.61% | -3 bps | |
| Return on Equity | 3.08% | 3.12% | 3.97% | 5.72% | 5.08% | 6.29% | 4.02% | 5.51% | -21 bps | |
| Net Interest Margin | 2.56% | 2.63% | 2.78% | 2.91% | 3.00% | 3.08% | 3.10% | 3.26% | +35 bps | |
| Efficiency Ratio | 78.57% | 76.22% | 81.15% | 77.67% | 75.98% | 75.18% | 84.53% | 75.23% | -244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.19% | 4.25% | 2.78% | 2.57% | 3.23% | 7.16% | 7.12% | 9.59% | +702 bps | |
| Loan Growth (YoY) | 0.68% | -0.25% | 5.25% | 7.45% | 15.16% | 14.66% | 9.94% | 11.99% | +454 bps | |
| Share Growth (YoY) | 11.86% | 10.66% | 7.84% | 6.28% | 5.40% | 5.71% | 6.99% | 8.22% | +194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.50% | 0.44% | 0.46% | 0.47% | 0.36% | 0.18% | 0.21% | -26 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 | 10.91% | 11.25% | 11.09% | 11.22% | 11.06% | 11.20% | 11.18% | 11.04% | -18 bps | |
| Net Worth / Assets | 10.91% | 11.25% | 11.09% | 11.22% | 11.06% | 11.20% | 11.18% | 11.04% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.01% | 92.20% | 94.01% | 96.23% | 99.43% | 100.00% | 96.60% | 99.58% | +335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |