Grand Forks, ND · Charter 1344
NCUA · 1 branch
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
54
Asset Quality
90
Profitability
51
Liquidity
98
Efficiency
51
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 1344
NCUA · 1 branch
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 | 2.30% | 1.95% | 1.03% | 1.20% | 1.13% | 1.07% | 0.98% | 0.89% | -31 bps | |
| Return on Equity | 18.44% | 15.64% | 8.23% | 9.48% | 8.82% | 8.43% | 6.85% | 6.68% | -280 bps | |
| Net Interest Margin | 3.92% | 3.86% | 3.84% | 3.81% | 3.87% | 3.78% | 4.12% | 3.60% | -21 bps | |
| Efficiency Ratio | 58.78% | 63.24% | 75.92% | 72.21% | 74.18% | 74.85% | 78.29% | 77.98% | +577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 4.90% | 3.17% | 5.37% | 6.69% | 6.53% | -4.80% | 2.86% | -251 bps | |
| Loan Growth (YoY) | 16.47% | 4.52% | 3.38% | -0.07% | -5.77% | -2.91% | -4.24% | -5.99% | -592 bps | |
| Share Growth (YoY) | 1.10% | 3.33% | 2.40% | 4.92% | 6.40% | 6.11% | -6.89% | 2.05% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 0.01% | 0.04% | 0.03% | 0.10% | 0.24% | 0.04% | +1 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 | 12.48% | 12.44% | 12.55% | 12.66% | 12.79% | 12.75% | 14.34% | 13.25% | +59 bps | |
| Net Worth / Assets | 12.48% | 12.44% | 12.55% | 12.66% | 12.79% | 12.75% | 14.34% | 13.25% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.56% | 76.35% | 75.17% | 75.87% | 73.12% | 69.86% | 77.31% | 69.90% | -598 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 1344 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 699 of 1,683
Net Interest Margin
3.60%
Rank 1,040 of 1,683
Efficiency Ratio
77.98%
Rank 830 of 1,682
Equity / Assets
13.25%
Rank 775 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 58% | 699 / 1,683 | ||
| Return on Equity | 6.68% | 2.67% | 5.89% | 8.74% | Beats 58% | 714 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,040 / 1,683 | ||
| Efficiency Ratio | 77.98% | 68.91% | 78.20% | 86.93% | Beats 51% | 830 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 172 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.25% | 10.44% | 12.89% | 16.53% | Beats 54% | 775 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.25% | 10.44% | 12.89% | 16.53% | Beats 54% | 775 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.90% | 52.61% | 69.38% | 83.50% | 51st pctl | 827 / 1,683 | ||
| Loans / Assets | 60.28% | 44.71% | 59.18% | 70.72% | 52nd pctl | 800 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||