PackageTrendsPeer
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Community

New Rockford, ND · Charter 61336

NCUA · 3 branches

Q2 2026

$171.6MAssets
$28.9MLoans
$140.1MShares
$30.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.61%, up 143 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.22% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.68%, up 100 bps from a year ago.
  • Funding: loans stand at 20.60% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.61%+143 bps YoY

Net Interest Margin (quarter, annualized)

2.68%+161 bps YoY

Efficiency Ratio (quarter, annualized)

40.50%-4,239 bps YoY

Net Worth / Assets

17.68%+100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.26%0.30%1.43%1.61%+143 bps
Return on Equity1.13%1.54%1.80%8.65%9.14%+801 bps
Net Interest Margin1.07%1.16%1.36%2.45%2.68%+161 bps
Efficiency Ratio82.89%78.17%78.35%42.24%40.50%-4,239 bps
Growth
Asset Growth (YoY)-2.82%-0.51%-0.51%0.95%0.12%+294 bps
Loan Growth (YoY)4.24%2.69%-0.54%-4.60%-6.70%-1,094 bps
Share Growth (YoY)-2.97%-1.20%-0.70%0.65%-0.94%+203 bps
Asset Quality
Delinquent Loans / Loans0.30%0.13%0.07%0.00%0.22%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.68%16.86%16.70%16.60%17.68%+100 bps
Net Worth / Assets16.68%16.86%16.70%16.60%17.68%+100 bps
Liquidity & Funding
Loans / Shares21.87%22.78%21.91%19.48%20.60%-127 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps