Grand Forks, ND · Charter 1344
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.13% | 1.07% | 0.98% | 0.89% | -31 bps | |
| Return on Equity | 9.48% | 8.82% | 8.43% | 6.85% | 6.68% | -280 bps | |
| Net Interest Margin | 3.81% | 3.87% | 3.78% | 4.12% | 3.60% | -21 bps | |
| Efficiency Ratio | 72.21% | 74.18% | 74.85% | 78.29% | 77.98% | +577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.37% | 6.69% | 6.53% | -4.80% | 2.86% | -251 bps | |
| Loan Growth (YoY) | -0.07% | -5.77% | -2.91% | -4.24% | -5.99% | -592 bps | |
| Share Growth (YoY) | 4.92% | 6.40% | 6.11% | -6.89% | 2.05% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 12.79% | 12.75% | 14.34% | 13.25% | +59 bps | |
| Net Worth / Assets | 12.66% | 12.79% | 12.75% | 14.34% | 13.25% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |