Lino Lakes, MN · Charter 68676
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.49% | 0.47% | 0.58% | 0.44% | -2 bps | |
| Return on Equity | 4.20% | 4.50% | 4.29% | 5.29% | 3.85% | -35 bps | |
| Net Interest Margin | 3.16% | 3.16% | 3.17% | 3.15% | 3.37% | +21 bps | |
| Efficiency Ratio | 88.63% | 87.79% | 88.22% | 82.90% | 85.30% | -334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.97% | -1.54% | 0.32% | 3.11% | -0.39% | +158 bps | |
| Loan Growth (YoY) | 0.75% | -0.14% | -3.71% | 0.87% | 6.95% | +620 bps | |
| Share Growth (YoY) | -2.94% | -2.38% | -0.76% | 2.64% | -1.16% | +178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.19% | 0.21% | 0.12% | 0.01% | -13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.00% | 10.89% | 10.88% | 10.87% | 11.51% | +52 bps | |
| Net Worth / Assets | 11.00% | 10.89% | 10.88% | 10.87% | 11.51% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.25% | 66.76% | 64.50% | 65.75% | 74.94% | +569 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |