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 | |