Lino Lakes, MN · Charter 68676
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.23% | 0.40% | 0.46% | 0.49% | 0.47% | 0.58% | 0.44% | -2 bps | |
| Return on Equity | 2.15% | 2.20% | 3.76% | 4.20% | 4.50% | 4.29% | 5.29% | 3.85% | -35 bps | |
| Net Interest Margin | 2.88% | 2.92% | 3.01% | 3.16% | 3.16% | 3.17% | 3.15% | 3.37% | +21 bps | |
| Efficiency Ratio | 94.15% | 94.00% | 89.68% | 88.63% | 87.79% | 88.22% | 82.90% | 85.30% | -334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 2.62% | -2.07% | -1.97% | -1.54% | 0.32% | 3.11% | -0.39% | +158 bps | |
| Loan Growth (YoY) | -6.34% | -4.46% | -3.67% | 0.75% | -0.14% | -3.71% | 0.87% | 6.95% | +620 bps | |
| Share Growth (YoY) | 1.85% | 2.41% | -3.02% | -2.94% | -2.38% | -0.76% | 2.64% | -1.16% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.06% | 0.00% | 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 | 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 | 10.30% | 10.45% | 10.69% | 11.00% | 10.89% | 10.88% | 10.87% | 11.51% | +52 bps | |
| Net Worth / Assets | 10.30% | 10.45% | 10.69% | 11.00% | 10.89% | 10.88% | 10.87% | 11.51% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.26% | 66.48% | 66.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |