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Trustone Financial

Plymouth, MN · Charter 68722

NCUA · 25 branches

Q2 2026

$6.1BAssets
$4.2BLoans
$4.6BShares
$669.2MNet 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 1.01%, down 2 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.78% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.99%, down 3 bps from a year ago.
  • Funding: loans stand at 90.61% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.01%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.57%+7 bps YoY

Efficiency Ratio (quarter, annualized)

59.29%-102 bps YoY

Net Worth / Assets

10.99%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%0.95%0.95%1.05%1.01%-2 bps
Return on Equity9.38%8.66%8.90%9.72%9.19%-19 bps
Net Interest Margin2.50%2.55%2.47%2.55%2.57%+7 bps
Efficiency Ratio60.31%59.50%58.54%60.58%59.29%-102 bps
Growth
Asset Growth (YoY)5.80%5.94%10.06%9.13%9.75%+395 bps
Loan Growth (YoY)5.09%6.51%4.23%3.85%3.61%-148 bps
Share Growth (YoY)5.75%5.35%6.10%5.98%6.33%+59 bps
Asset Quality
Delinquent Loans / Loans0.83%0.82%0.81%0.84%0.78%-6 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 Capital11.02%10.99%10.70%10.80%10.99%-3 bps
Net Worth / Assets11.02%10.99%10.70%10.80%10.99%-3 bps
Liquidity & Funding
Loans / Shares92.99%93.86%91.02%88.41%90.61%-238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps