Sartell, MN · Charter 68697
NCUA · 5 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 | 1.45% | 1.15% | 1.14% | 0.55% | 0.55% | -90 bps | |
| Return on Equity | 19.51% | 15.21% | 15.19% | 7.38% | 7.85% | -1,166 bps | |
| Net Interest Margin | 2.83% | 2.92% | 2.85% | 3.06% | 2.99% | +15 bps | |
| Efficiency Ratio | 65.99% | 70.70% | 70.82% | 85.31% | 83.96% | +1,796 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.71% | 10.68% | 14.78% | 12.44% | 12.04% | +233 bps | |
| Loan Growth (YoY) | 3.24% | 5.73% | 6.11% | 7.47% | 17.04% | +1,380 bps | |
| Share Growth (YoY) | 10.68% | 6.31% | 11.00% | 8.84% | 10.09% | -59 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.44% | 0.37% | 0.41% | 0.31% | -19 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 | 7.44% | 7.55% | 7.50% | 7.44% | 7.07% | -37 bps | |
| Net Worth / Assets | 7.44% | 7.55% | 7.50% | 7.44% | 7.07% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.82% | 91.50% | 88.79% | 88.57% | 95.49% | +567 bps | |
| Liquid Assets / Assets | 99.15% | 0.00% | 99.10% | 99.73% | 97.92% | -124 bps | |