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 | |