Minot, ND · Charter 60790
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.96% | 1.12% | 0.87% | 0.93% | +6 bps | |
| Return on Equity | 6.94% | 7.57% | 8.77% | 6.91% | 7.12% | +18 bps | |
| Net Interest Margin | 3.68% | 3.76% | 3.71% | 3.78% | 3.91% | +24 bps | |
| Efficiency Ratio | 78.02% | 77.39% | 77.56% | 75.69% | 71.47% | -654 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.93% | 4.47% | 5.92% | 6.65% | 5.61% | +68 bps | |
| Loan Growth (YoY) | 3.49% | 3.47% | 2.81% | 3.92% | 6.99% | +350 bps | |
| Share Growth (YoY) | 4.48% | 4.27% | 5.73% | 6.27% | 5.34% | +85 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.49% | 0.40% | 0.26% | 1.63% | +73 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 | 12.57% | 12.75% | 12.79% | 12.64% | 13.06% | +49 bps | |
| Net Worth / Assets | 12.57% | 12.75% | 12.79% | 12.64% | 13.06% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.40% | 100.27% | 97.42% | 93.98% | 101.97% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |