Mandan, ND · Charter 60787
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
59
Profitability
49
Liquidity
37
Efficiency
55
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.
Mandan, ND · Charter 60787
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.90% | 0.85% | 0.84% | 0.89% | -2 bps | |
| Return on Equity | 7.19% | 7.13% | 6.84% | 6.89% | 7.31% | +12 bps | |
| Net Interest Margin | 3.10% | 3.14% | 3.12% | 3.28% | 3.32% | +22 bps | |
| Efficiency Ratio | 73.83% | 73.90% | 74.52% | 77.23% | 76.51% | +268 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.86% | 3.42% | 5.82% | 9.24% | 10.55% | +569 bps | |
| Loan Growth (YoY) | 3.68% | 2.45% | 5.35% | 8.29% | 11.87% | +819 bps | |
| Share Growth (YoY) | 4.32% | 2.73% | 5.15% | 9.61% | 10.99% | +667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.38% | 0.52% | 0.21% | 0.50% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.52% | 12.59% | 12.39% | 12.12% | 12.12% | -41 bps | |
| Net Worth / Assets | 12.52% | 12.59% | 12.39% | 12.12% | 12.12% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.10% | 82.67% | 82.93% | 81.60% | 83.76% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mandan, ND · Charter 60787 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.89%
Rank 698 of 1,683
Net Interest Margin
3.32%
Rank 1,259 of 1,683
Efficiency Ratio
76.51%
Rank 752 of 1,682
Equity / Assets
12.12%
Rank 972 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 698 / 1,683 | |
| Return on Equity | 7.31% | 2.67% | 5.89% | 8.74% | Beats 64% | 609 / 1,681 | |
| Net Interest Margin | 3.32% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,259 / 1,683 | |
| Efficiency Ratio | 76.51% | 68.91% | 78.20% | 86.93% | Beats 55% | 752 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 684 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 972 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 972 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.76% | 52.61% | 69.38% | 83.50% | 75th pctl | 413 / 1,683 | |
| Loans / Assets | 72.96% | 44.71% | 59.18% | 70.72% | 80th pctl | 339 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||