PackageTrendsPeer
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Froid

Froid, MT · Charter 3602

NCUA · 1 branch

Q2 2026

$1.3MAssets
$819KLoans
$1.1MShares
$154KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.58%, down 9 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.96%, down 151 bps from a year ago.
  • Funding: loans stand at 72.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-28 bps YoY

Efficiency Ratio (YTD, annualized)

44.47%-213 bps YoY

Net Worth / Assets

11.96%-151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%0.96%0.94%1.02%1.58%-9 bps
Return on Equity12.35%7.24%7.67%8.68%13.17%+82 bps
Net Interest Margin3.12%2.97%2.81%2.23%2.84%-28 bps
Efficiency Ratio46.60%67.87%67.46%54.23%44.47%-213 bps
Growth
Asset Growth (YoY)2.90%8.93%17.35%18.91%14.45%+1,155 bps
Loan Growth (YoY)-9.28%10.30%14.97%9.01%3.27%+1,254 bps
Share Growth (YoY)3.64%10.99%18.72%21.91%16.45%+1,282 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.72%1.56%1.52%1.55%1.63%-9 bps
Capital
Risk-Based Capital13.48%13.20%12.30%11.76%11.96%-151 bps
Net Worth / Assets13.48%13.20%12.30%11.76%11.96%-151 bps
Liquidity & Funding
Loans / Shares81.68%87.67%85.99%78.32%72.43%-925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps