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 | |