Minot, ND · Charter 1888
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.13% | 1.11% | 1.11% | 1.17% | 1.12% | 1.40% | 1.57% | +46 bps | |
| Return on Equity | 8.14% | 7.83% | 7.61% | 7.48% | 7.82% | 7.48% | 9.21% | 10.10% | +261 bps | |
| Net Interest Margin | 2.34% | 2.34% | 2.57% | 2.62% | 2.64% | 2.65% | 2.93% | 3.02% | +40 bps | |
| Efficiency Ratio | 63.76% | 64.41% | 64.74% | 65.98% | 64.47% | 64.47% | 59.07% | 57.51% | -847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | 3.77% | 2.95% | 2.78% | 4.35% | 4.10% | 4.26% | 4.45% | +167 bps | |
| Loan Growth (YoY) | 0.90% | 0.19% | 2.01% | 0.83% | 1.38% | 2.69% | 1.45% | 3.59% | +276 bps | |
| Share Growth (YoY) | 3.25% | 3.03% | 2.47% | 2.24% | 3.51% | 3.94% | 3.70% | 4.02% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.28% | 0.32% | 0.09% | 0.69% | 0.30% | 0.05% | 0.41% | +32 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 | 14.43% | 14.41% | 14.61% | 14.87% | 14.96% | 14.96% | 15.21% | 15.59% | +73 bps | |
| Net Worth / Assets | 14.43% | 14.41% | 14.61% | 14.87% | 14.96% | 14.96% | 15.21% | 15.59% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.27% | 97.97% | 97.83% | 97.90% | 97.23% | 96.79% | 95.71% | 97.50% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |