Falcon Heights, MN · Charter 68651
NCUA · 27 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
28
Profitability
52
Liquidity
10
Efficiency
47
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.
Falcon Heights, MN · Charter 68651
NCUA · 27 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 | 0.64% | 0.64% | 0.82% | 0.79% | 0.78% | 0.78% | 0.83% | 0.84% | +5 bps | |
| Return on Equity | 7.97% | 7.42% | 9.63% | 8.88% | 8.61% | 8.81% | 9.66% | 9.58% | +70 bps | |
| Net Interest Margin | 2.96% | 3.13% | 3.05% | 3.00% | 3.05% | 3.00% | 3.02% | 3.07% | +7 bps | |
| Efficiency Ratio | 73.50% | 74.80% | 71.93% | 72.72% | 73.20% | 73.12% | 72.20% | 72.46% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 101.83% | 96.60% | 4.78% | 6.19% | -1.68% | 7.52% | 9.01% | 8.35% | +215 bps | |
| Loan Growth (YoY) | 64.28% | 67.50% | -1.93% | 0.98% | 1.18% | 3.21% | 6.73% | 8.23% | +725 bps | |
| Share Growth (YoY) | 77.71% | 77.93% | 4.87% | 6.62% | 8.26% | 10.17% | 10.02% | 9.25% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 1.07% | 0.71% | 0.68% | 0.60% | 0.60% | 0.49% | 1.02% | +35 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 | 7.99% | 8.65% | 8.54% | 8.89% | 9.09% | 8.82% | 8.59% | 8.76% | -13 bps | |
| Net Worth / Assets | 7.99% | 8.65% | 8.54% | 8.89% | 9.09% | 8.82% | 8.59% | 8.76% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.81% | 70.75% | 67.35% | 67.74% | 66.18% | 66.28% | 65.34% | 67.11% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Falcon Heights, MN · Charter 68651 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
Return on Assets
0.84%
Rank 206 of 435
Net Interest Margin
3.07%
Rank 308 of 435
Efficiency Ratio
72.46%
Rank 232 of 435
Equity / Assets
8.76%
Rank 402 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.55% | 0.81% | 1.14% | Beats 53% | 206 / 435 | ||
| Return on Equity | 9.58% | 5.12% | 7.41% | 9.70% | Beats 74% | 114 / 435 | ||
| Net Interest Margin | 3.07% | 3.01% | 3.39% | 3.75% | Beats 29% | 308 / 435 | ||
| Efficiency Ratio | 72.46% | 65.25% | 71.39% | 77.86% | Beats 47% | 232 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.45% | 0.69% | 1.05% | Beats 28% | 316 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.76% | 9.81% | 10.84% | 12.63% | Beats 8% | 402 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.76% | 9.81% | 10.84% | 12.63% | Beats 8% | 402 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.11% | 78.33% | 88.38% | 95.61% | 11th pctl | 385 / 435 | ||
| Loans / Assets | 56.21% | 67.69% | 74.58% | 80.80% | 11th pctl | 387 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||