Aspire Community
Minot, ND · Charter 1888 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$181.6MAssets
$151.0MLoans
$154.9MShares
$28.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets (rank 155 of 1682).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1449 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.58%
Rank 211 of 1,683
Net Interest Margin
3.02%
Rank 1,449 of 1,683
Efficiency Ratio
57.50%
Rank 155 of 1,682
Equity / Assets
15.59%
Rank 485 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.35% | 0.74% | 1.18% | Beats 87% | 211 / 1,683 | |
| Return on Equity | 10.10% | 2.67% | 5.89% | 8.74% | Beats 84% | 275 / 1,681 | |
| Net Interest Margin | 3.02% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,449 / 1,683 | |
| Efficiency Ratio | 57.50% | 68.91% | 78.20% | 86.93% | Beats 91% | 155 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 589 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 485 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 485 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 97.50% | 52.61% | 69.38% | 83.50% | 95th pctl | 83 / 1,683 | |
| Loans / Assets | 83.16% | 44.71% | 59.18% | 70.72% | 96th pctl | 75 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |