Grand Forks, ND · Charter 13067
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |