PackageTrendsPeer
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Topline Financial

Maple Grove, MN · Charter 68731

NCUA · 12 branches

Q2 2026

$1.1BAssets
$907.4MLoans
$966.4MShares
$114.1MNet 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 0.68%, up 1 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.86% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.16%, up 47 bps from a year ago.
  • Funding: loans stand at 93.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+22 bps YoY

Efficiency Ratio (YTD, annualized)

78.83%-34 bps YoY

Net Worth / Assets

10.16%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.61%0.66%0.51%0.68%+1 bps
Return on Equity6.89%6.17%6.61%5.26%6.70%-19 bps
Net Interest Margin3.50%3.57%3.53%3.57%3.72%+22 bps
Efficiency Ratio79.18%80.33%78.76%80.86%78.83%-34 bps
Growth
Asset Growth (YoY)33.98%-0.75%0.87%2.32%1.61%-3,237 bps
Loan Growth (YoY)23.14%1.46%2.01%3.48%4.93%-1,820 bps
Share Growth (YoY)41.67%2.70%4.23%3.49%3.08%-3,859 bps
Asset Quality
Delinquent Loans / Loans0.81%0.82%0.82%0.65%0.86%+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 Capital9.69%9.84%9.91%9.78%10.16%+47 bps
Net Worth / Assets9.69%9.84%9.91%9.78%10.16%+47 bps
Liquidity & Funding
Loans / Shares92.24%92.58%91.24%89.51%93.90%+166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps