Sleepy Eye, MN · Charter 68667
NCUA · 9 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
81
Profitability
42
Liquidity
23
Efficiency
50
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.
Sleepy Eye, MN · Charter 68667
NCUA · 9 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 | 0.41% | 0.34% | 0.50% | 0.51% | 0.64% | 0.61% | 0.88% | 0.77% | +25 bps | |
| Return on Equity | 3.64% | 3.09% | 4.63% | 4.74% | 5.78% | 5.63% | 8.11% | 6.89% | +215 bps | |
| Net Interest Margin | 2.42% | 2.36% | 2.61% | 2.68% | 2.79% | 2.73% | 2.95% | 3.03% | +35 bps | |
| Efficiency Ratio | 87.85% | 88.53% | 86.32% | 86.37% | 83.32% | 82.15% | 76.68% | 78.33% | -805 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 9.21% | 5.97% | 9.49% | 6.24% | 6.59% | 7.21% | 4.17% | -532 bps | |
| Loan Growth (YoY) | 2.13% | 4.52% | 7.26% | 10.35% | 9.72% | 8.89% | 7.58% | 5.77% | -458 bps | |
| Share Growth (YoY) | 4.77% | 6.90% | 6.46% | 8.21% | 7.66% | 6.69% | 10.69% | 11.15% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.13% | 0.19% | 0.09% | 0.41% | 0.45% | 0.15% | 0.17% | +8 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 | 11.27% | 10.87% | 10.84% | 10.86% | 11.11% | 10.77% | 10.81% | 11.17% | +31 bps | |
| Net Worth / Assets | 11.27% | 10.87% | 10.84% | 10.86% | 11.11% | 10.77% | 10.81% | 11.17% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.76% | 85.95% | 86.78% | 91.22% | 91.48% | 87.73% | 84.34% | 86.80% | -442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sleepy Eye, MN · Charter 68667 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.77%
Rank 810 of 1,683
Net Interest Margin
3.03%
Rank 1,440 of 1,683
Efficiency Ratio
78.33%
Rank 849 of 1,682
Equity / Assets
11.17%
Rank 1,117 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 810 / 1,683 | ||
| Return on Equity | 6.89% | 2.67% | 5.89% | 8.74% | Beats 60% | 674 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,440 / 1,683 | ||
| Efficiency Ratio | 78.33% | 68.91% | 78.20% | 86.93% | Beats 50% | 849 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.26% | 0.65% | 1.29% | Beats 81% | 316 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,117 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,117 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.80% | 52.61% | 69.38% | 83.50% | 81st pctl | 327 / 1,683 | ||
| Loans / Assets | 76.42% | 44.71% | 59.18% | 70.72% | 86th pctl | 237 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||