Hermantown, MN · Charter 68685
NCUA · 5 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 in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
56
Profitability
86
Liquidity
47
Efficiency
75
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.
Hermantown, MN · Charter 68685
NCUA · 5 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 | 1.58% | 1.53% | 0.80% | 0.95% | 1.36% | 1.47% | 1.69% | 2.13% | +118 bps | |
| Return on Equity | 12.52% | 11.70% | 6.33% | 7.30% | 10.00% | 10.73% | 12.57% | 15.26% | +796 bps | |
| Net Interest Margin | 4.73% | 4.80% | 4.79% | 4.97% | 5.13% | 5.03% | 4.87% | 4.92% | -5 bps | |
| Efficiency Ratio | 66.53% | 66.89% | 68.23% | 72.88% | 69.93% | 68.50% | 65.65% | 63.01% | -987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -0.35% | 27.43% | 26.55% | 27.19% | 32.48% | 6.78% | 9.02% | -1,753 bps | |
| Loan Growth (YoY) | -4.60% | -3.22% | 30.81% | 36.20% | 38.44% | 37.98% | 4.72% | -0.47% | -3,667 bps | |
| Share Growth (YoY) | -4.04% | -1.09% | 31.21% | 30.19% | 32.78% | 36.50% | 6.59% | 8.95% | -2,124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.89% | 0.79% | 1.31% | 0.69% | 0.70% | 0.61% | 0.79% | -51 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 | 12.60% | 13.05% | 12.59% | 13.03% | 13.59% | 13.65% | 13.42% | 13.97% | +94 bps | |
| Net Worth / Assets | 12.60% | 13.05% | 12.59% | 13.03% | 13.59% | 13.65% | 13.42% | 13.97% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.48% | 96.09% | 93.19% | 99.16% | 99.56% | 97.13% | 91.56% | 90.58% | -858 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hermantown, MN · Charter 68685 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 5 branches
Q2 2026
Return on Assets
2.13%
Rank 2 of 16
Net Interest Margin
4.92%
Rank 3 of 16
Efficiency Ratio
63.01%
Rank 5 of 16
Equity / Assets
13.97%
Rank 10 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.13% | 0.85% | 1.44% | 2.05% | Beats 88% | 2 / 16 | ||
| Return on Equity | 15.26% | 6.27% | 10.66% | 13.40% | Beats 88% | 2 / 16 | ||
| Net Interest Margin | 4.92% | 4.07% | 4.17% | 4.88% | Beats 81% | 3 / 16 | ||
| Efficiency Ratio | 63.01% | 63.01% | 70.37% | 80.78% | Beats 75% | 5 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.32% | 0.86% | 1.92% | Beats 56% | 8 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.97% | 13.43% | 14.66% | 16.97% | Beats 38% | 10 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.97% | 13.43% | 14.66% | 16.97% | Beats 38% | 10 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.58% | 67.52% | 85.26% | 93.00% | 63rd pctl | 6 / 16 | ||
| Loans / Assets | 73.80% | 52.10% | 73.80% | 79.04% | 50th pctl | 8 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||