Grand Forks, ND · Charter 13067
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
48
Profitability
26
Liquidity
23
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Grand Forks, ND · Charter 13067
NCUA · 2 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 | 0.62% | 0.80% | -0.58% | 0.37% | 0.80% | 0.94% | 0.38% | 0.48% | +10 bps | |
| Return on Equity | 4.41% | 5.69% | -4.20% | 2.72% | 5.92% | 6.80% | 2.67% | 3.44% | +72 bps | |
| Net Interest Margin | 3.15% | 3.14% | 3.18% | 3.08% | 2.97% | 2.80% | 2.92% | 3.08% | 0 bps | |
| Efficiency Ratio | 64.98% | 68.93% | 63.17% | 66.34% | 67.86% | 65.10% | 69.06% | 71.86% | +552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 0.55% | 5.46% | 6.71% | 9.48% | 9.95% | 3.64% | 3.34% | -338 bps | |
| Loan Growth (YoY) | 3.39% | 0.78% | -1.54% | -7.14% | -7.39% | -11.16% | -12.76% | -11.89% | -475 bps | |
| Share Growth (YoY) | -3.96% | -1.33% | 4.96% | 6.01% | 9.68% | 9.15% | 2.76% | 2.94% | -307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 2.49% | 2.16% | 1.92% | 1.48% | 1.73% | 1.27% | 0.70% | -122 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 | 13.94% | 14.06% | 13.77% | 13.76% | 13.60% | 13.79% | 14.29% | 13.91% | +15 bps | |
| Net Worth / Assets | 13.94% | 14.06% | 13.77% | 13.76% | 13.60% | 13.79% | 14.29% | 13.91% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.82% | 59.93% | 55.68% | 53.33% | 50.51% | 48.78% | 47.27% | 45.64% | -769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Forks, ND · Charter 13067 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.48%
Rank 1,158 of 1,683
Net Interest Margin
3.08%
Rank 1,403 of 1,683
Efficiency Ratio
71.86%
Rank 531 of 1,682
Equity / Assets
13.91%
Rank 688 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,158 / 1,683 | ||
| Return on Equity | 3.45% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,156 / 1,681 | ||
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,403 / 1,683 | ||
| Efficiency Ratio | 71.86% | 68.91% | 78.20% | 86.93% | Beats 68% | 531 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.26% | 0.65% | 1.29% | Beats 48% | 876 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 688 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 688 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.64% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,396 / 1,683 | ||
| Loans / Assets | 38.99% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,392 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||