PackageTrendsPeer
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Centricity

Hermantown, MN · Charter 68685

NCUA · 5 branches

Q2 2026

$340.5MAssets
$251.3MLoans
$277.4MShares
$47.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.13%, up 118 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 0.79% of loans (-51 bps YoY).
  • Capital: net worth / assets of 13.97%, up 94 bps from a year ago.
  • Funding: loans stand at 90.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.13%+118 bps YoY

Net Interest Margin (quarter, annualized)

4.92%-5 bps YoY

Efficiency Ratio (quarter, annualized)

63.01%-987 bps YoY

Net Worth / Assets

13.97%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.36%1.47%1.69%2.13%+118 bps
Return on Equity7.30%10.00%10.73%12.57%15.26%+796 bps
Net Interest Margin4.97%5.13%5.03%4.87%4.92%-5 bps
Efficiency Ratio72.88%69.93%68.50%65.65%63.01%-987 bps
Growth
Asset Growth (YoY)26.55%27.19%32.48%6.78%9.02%-1,753 bps
Loan Growth (YoY)36.20%38.44%37.98%4.72%-0.47%-3,667 bps
Share Growth (YoY)30.19%32.78%36.50%6.59%8.95%-2,124 bps
Asset Quality
Delinquent Loans / Loans1.31%0.69%0.70%0.61%0.79%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.03%13.59%13.65%13.42%13.97%+94 bps
Net Worth / Assets13.03%13.59%13.65%13.42%13.97%+94 bps
Liquidity & Funding
Loans / Shares99.16%99.56%97.13%91.56%90.58%-858 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps