Jamestown, ND · Charter 60103
NCUA · 27 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
57
Profitability
44
Liquidity
16
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jamestown, ND · Charter 60103
NCUA · 27 branches
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 | 0.60% | 0.64% | 0.53% | 0.55% | 0.60% | 0.71% | 0.71% | 0.85% | +29 bps | |
| Return on Equity | 4.74% | 4.93% | 4.04% | 4.65% | 5.01% | 5.70% | 5.90% | 6.87% | +221 bps | |
| Net Interest Margin | 2.63% | 2.71% | 2.86% | 2.69% | 2.75% | 2.93% | 3.07% | 3.17% | +48 bps | |
| Efficiency Ratio | 83.32% | 81.29% | 84.97% | 81.77% | 80.53% | 77.82% | 78.08% | 74.94% | -683 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.31% | 0.81% | 1.07% | 8.22% | 10.68% | 9.28% | 15.15% | 3.63% | -460 bps | |
| Loan Growth (YoY) | 3.20% | 3.78% | 4.24% | 4.89% | 4.77% | 6.77% | 10.59% | 10.66% | +577 bps | |
| Share Growth (YoY) | 4.64% | 6.08% | 6.00% | 7.38% | 5.36% | 4.09% | 3.50% | 2.14% | -525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.30% | 0.28% | 0.50% | 0.88% | 0.56% | 0.47% | 0.61% | +12 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 | 12.57% | 12.92% | 13.06% | 11.92% | 11.97% | 12.53% | 12.08% | 12.34% | +42 bps | |
| Net Worth / Assets | 12.57% | 12.92% | 13.06% | 11.92% | 11.97% | 12.53% | 12.08% | 12.34% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.18% | 91.14% | 88.75% | 92.46% | 93.65% | 93.48% | 94.84% | 100.18% | +772 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jamestown, ND · Charter 60103 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
Return on Assets
0.85%
Rank 203 of 435
Net Interest Margin
3.17%
Rank 281 of 435
Efficiency Ratio
74.94%
Rank 272 of 435
Equity / Assets
12.34%
Rank 125 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.55% | 0.81% | 1.14% | Beats 53% | 203 / 435 | ||
| Return on Equity | 6.87% | 5.12% | 7.41% | 9.70% | Beats 44% | 244 / 435 | ||
| Net Interest Margin | 3.17% | 3.01% | 3.39% | 3.75% | Beats 35% | 281 / 435 | ||
| Efficiency Ratio | 74.94% | 65.25% | 71.39% | 77.86% | Beats 38% | 272 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 57% | 187 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 125 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 125 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.18% | 78.33% | 88.38% | 95.61% | 86th pctl | 61 / 435 | ||
| Loans / Assets | 74.39% | 67.69% | 74.58% | 80.80% | 49th pctl | 221 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||