Fargo, ND · Charter 24944
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 | 3.18% | 2.52% | 2.42% | 1.81% | 1.98% | 1.74% | 2.20% | 1.82% | +1 bps | |
| Return on Equity | 21.00% | 16.80% | 15.19% | 10.92% | 11.52% | 9.73% | 12.21% | 9.81% | -111 bps | |
| Net Interest Margin | 4.76% | 4.68% | 4.95% | 4.99% | 4.90% | 5.02% | 4.53% | 4.58% | -41 bps | |
| Efficiency Ratio | 44.14% | 53.92% | 52.30% | 63.71% | 59.98% | 65.15% | 51.16% | 58.71% | -500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.28% | -2.73% | -7.37% | -5.69% | -2.36% | -7.26% | -2.74% | -1.45% | +423 bps | |
| Loan Growth (YoY) | -11.31% | -11.77% | -9.96% | -7.45% | -8.43% | -5.74% | -1.12% | 3.30% | +1,076 bps | |
| Share Growth (YoY) | -12.62% | -5.84% | -10.61% | -8.86% | -4.47% | -10.58% | -5.15% | -4.26% | +460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.67% | 3.92% | 1.36% | 1.78% | 1.16% | 1.24% | 3.34% | +198 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 | 15.14% | 14.98% | 15.96% | 16.59% | 17.18% | 17.89% | 18.04% | 18.54% | +195 bps | |
| Net Worth / Assets | 15.14% | 14.98% | 15.96% | 16.59% | 17.18% | 17.89% | 18.04% | 18.54% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.31% | 53.69% | 53.85% | 54.05% | 53.01% | 56.59% | 56.13% | 58.32% | +427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |