New Rockford, ND · Charter 61336
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
79
Asset Quality
79
Profitability
57
Liquidity
0
Efficiency
99
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.
New Rockford, ND · Charter 61336
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 | -0.78% | -0.41% | 0.03% | 0.19% | 0.26% | 0.30% | 1.43% | 1.61% | +143 bps | |
| Return on Equity | -4.79% | -2.51% | 0.18% | 1.13% | 1.54% | 1.80% | 8.65% | 9.14% | +801 bps | |
| Net Interest Margin | 0.07% | 0.20% | 0.88% | 1.07% | 1.16% | 1.36% | 2.45% | 2.68% | +161 bps | |
| Efficiency Ratio | 870% | 332% | 96.89% | 82.89% | 78.17% | 78.35% | 42.24% | 40.50% | -4,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -3.03% | -2.80% | -2.82% | -0.51% | -0.51% | 0.95% | 0.12% | +294 bps | |
| Loan Growth (YoY) | 4.51% | 6.64% | 2.46% | 4.24% | 2.69% | -0.54% | -4.60% | -6.70% | -1,094 bps | |
| Share Growth (YoY) | -3.90% | -3.48% | -3.42% | -2.97% | -1.20% | -0.70% | 0.65% | -0.94% | +203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.70% | 3.95% | 0.30% | 0.13% | 0.07% | 0.00% | 0.22% | -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 | 16.27% | 16.31% | 16.10% | 16.68% | 16.86% | 16.70% | 16.60% | 17.68% | +100 bps | |
| Net Worth / Assets | 16.27% | 16.31% | 16.10% | 16.68% | 16.86% | 16.70% | 16.60% | 17.68% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.92% | 21.88% | 20.55% | 21.87% | 22.78% | 21.91% | 19.48% | 20.60% | -127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Rockford, ND · Charter 61336 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.62%
Rank 197 of 1,683
Net Interest Margin
2.68%
Rank 1,577 of 1,683
Efficiency Ratio
40.51%
Rank 18 of 1,682
Equity / Assets
17.68%
Rank 347 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.35% | 0.74% | 1.18% | Beats 88% | 197 / 1,683 | ||
| Return on Equity | 9.14% | 2.67% | 5.89% | 8.74% | Beats 78% | 378 / 1,681 | ||
| Net Interest Margin | 2.68% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,577 / 1,683 | ||
| Efficiency Ratio | 40.51% | 68.91% | 78.20% | 86.93% | Beats 99% | 18 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 79% | 362 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.68% | 10.44% | 12.89% | 16.53% | Beats 79% | 347 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.68% | 10.44% | 12.89% | 16.53% | Beats 79% | 347 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 20.60% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,649 / 1,683 | ||
| Loans / Assets | 16.83% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,649 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||