Bismarck, ND · Charter 61637
NCUA · 11 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
52
Asset Quality
16
Profitability
65
Liquidity
0
Efficiency
73
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.
Bismarck, ND · Charter 61637
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 1.35% | 1.24% | 0.96% | 1.22% | +41 bps | |
| Return on Equity | 6.25% | 10.24% | 9.58% | 7.47% | 9.30% | +305 bps | |
| Net Interest Margin | 3.33% | 3.34% | 3.31% | 3.55% | 3.63% | +30 bps | |
| Efficiency Ratio | 75.82% | 66.41% | 67.70% | 72.86% | 70.19% | -563 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.89% | 7.06% | 9.11% | 8.50% | 10.66% | +277 bps | |
| Loan Growth (YoY) | 8.35% | 7.71% | 8.39% | 6.82% | 12.53% | +418 bps | |
| Share Growth (YoY) | 8.91% | 7.72% | 9.39% | 7.79% | 9.26% | +35 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 1.91% | 1.43% | 1.53% | 1.80% | -14 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 | 12.89% | 13.18% | 12.93% | 12.91% | 13.09% | +20 bps | |
| Net Worth / Assets | 12.89% | 13.18% | 12.93% | 12.91% | 13.09% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.51% | 91.29% | 89.63% | 88.99% | 94.25% | +274 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bismarck, ND · Charter 61637 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
1.22%
Rank 391 of 1,683
Net Interest Margin
3.63%
Rank 1,009 of 1,683
Efficiency Ratio
70.19%
Rank 462 of 1,682
Equity / Assets
13.09%
Rank 805 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 391 / 1,683 | |
| Return on Equity | 9.30% | 2.67% | 5.89% | 8.74% | Beats 79% | 352 / 1,681 | |
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,009 / 1,683 | |
| Efficiency Ratio | 70.19% | 68.91% | 78.20% | 86.93% | Beats 73% | 462 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.80% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,407 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 805 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 805 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.25% | 52.61% | 69.38% | 83.50% | 93rd pctl | 126 / 1,683 | |
| Loans / Assets | 78.79% | 44.71% | 59.18% | 70.72% | 90th pctl | 173 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||