Fairbanks, AK · Charter 13583
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.99% | 0.84% | 0.86% | 0.69% | -22 bps | |
| Return on Equity | 6.33% | 6.64% | 5.81% | 5.89% | 4.66% | -167 bps | |
| Net Interest Margin | 4.32% | 4.39% | 4.21% | 4.13% | 4.09% | -24 bps | |
| Efficiency Ratio | 80.03% | 79.83% | 81.59% | 84.88% | 86.82% | +679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.41% | 0.42% | 3.13% | 2.36% | 2.78% | +237 bps | |
| Loan Growth (YoY) | -4.75% | -7.81% | -12.58% | -8.85% | -5.13% | -38 bps | |
| Share Growth (YoY) | -1.20% | -0.54% | 2.65% | 1.71% | 2.84% | +404 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.48% | 0.38% | 0.88% | 1.16% | +57 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 | 14.43% | 14.84% | 14.48% | 14.62% | 14.77% | +34 bps | |
| Net Worth / Assets | 14.43% | 14.84% | 14.48% | 14.62% | 14.77% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.63% | 65.21% | 59.31% | 60.19% | 61.46% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |