New Rockford, ND · Charter 61336
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |