Mandan, ND · Charter 60787
NCUA · 3 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 | 0.71% | 0.71% | 1.10% | 0.90% | 0.90% | 0.85% | 0.84% | 0.89% | -2 bps | |
| Return on Equity | 5.81% | 5.81% | 8.82% | 7.19% | 7.13% | 6.84% | 6.89% | 7.31% | +12 bps | |
| Net Interest Margin | 2.61% | 2.68% | 3.03% | 3.10% | 3.14% | 3.12% | 3.28% | 3.32% | +22 bps | |
| Efficiency Ratio | 76.18% | 76.58% | 67.00% | 73.83% | 73.90% | 74.52% | 77.23% | 76.51% | +268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.01% | 7.95% | 5.05% | 4.86% | 3.42% | 5.82% | 9.24% | 10.55% | +569 bps | |
| Loan Growth (YoY) | 2.83% | 4.10% | 3.47% | 3.68% | 2.45% | 5.35% | 8.29% | 11.87% | +819 bps | |
| Share Growth (YoY) | 10.11% | 7.81% | 4.36% | 4.32% | 2.73% | 5.15% | 9.61% | 10.99% | +667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.14% | 0.66% | 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 | 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 | 12.19% | 12.27% | 12.45% | 12.52% | 12.59% | 12.39% | 12.12% | 12.12% | -41 bps | |
| Net Worth / Assets | 12.19% | 12.27% | 12.45% | 12.52% | 12.59% | 12.39% | 12.12% | 12.12% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.90% | 82.77% | 82.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |