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 | |