Hometown
Kulm, ND · Charter 61648 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$223.1MAssets
$178.4MLoans
$182.0MShares
$34.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets (rank 201 of 1682).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1653 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.43%
Rank 280 of 1,683
Net Interest Margin
3.38%
Rank 1,217 of 1,683
Efficiency Ratio
60.87%
Rank 201 of 1,682
Equity / Assets
15.56%
Rank 492 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.35% | 0.74% | 1.18% | Beats 83% | 280 / 1,683 | | |
| Return on Equity | 9.19% | 2.67% | 5.89% | 8.74% | Beats 78% | 370 / 1,681 | | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,217 / 1,683 | | |
| Efficiency Ratio | 60.87% | 68.91% | 78.20% | 86.93% | Beats 88% | 201 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.81% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,653 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 492 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 492 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.06% | 52.61% | 69.38% | 83.50% | 96th pctl | 75 / 1,683 | | |
| Loans / Assets | 79.96% | 44.71% | 59.18% | 70.72% | 92nd pctl | 138 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |