Bismarck, ND · Charter 61637
NCUA · 11 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 | 0.90% | 0.74% | 0.81% | 0.81% | 1.35% | 1.24% | 0.96% | 1.22% | +41 bps | |
| Return on Equity | 6.95% | 5.84% | 6.42% | 6.25% | 10.24% | 9.58% | 7.47% | 9.30% | +305 bps | |
| Net Interest Margin | 3.18% | 3.12% | 3.22% | 3.33% | 3.34% | 3.31% | 3.55% | 3.63% | +30 bps | |
| Efficiency Ratio | 74.29% | 77.00% | 78.15% | 75.82% | 66.41% | 67.70% | 72.86% | 70.19% | -563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 7.87% | 9.70% | 7.89% | 7.06% | 9.11% | 8.50% | 10.66% | +277 bps | |
| Loan Growth (YoY) | 7.82% | 7.54% | 8.78% | 8.35% | 7.71% | 8.39% | 6.82% | 12.53% | +418 bps | |
| Share Growth (YoY) | 6.42% | 8.58% | 10.86% | 8.91% | 7.72% | 9.39% | 7.79% | 9.26% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.43% | 1.53% | 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 | 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 | 12.94% | 12.75% | 12.63% | 12.89% | 13.18% | 12.93% | 12.91% | 13.09% | +20 bps | |
| Net Worth / Assets | 12.94% | 12.75% | 12.63% | 12.89% | 13.18% | 12.93% | 12.91% | 13.09% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.30% | 90.45% | 89.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |