Northern Valley
Grand Forks, ND · Charter 1344 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$20.3MAssets
$12.3MLoans
$17.5MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 172 of 1682).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets (rank 1040 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |