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 | |