Kulm, ND · Charter 61648
NCUA · 5 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 | 0.73% | 0.82% | 1.17% | 1.10% | 0.98% | 1.00% | 1.44% | 1.43% | +33 bps | |
| Return on Equity | 4.89% | 5.54% | 7.94% | 7.30% | 6.34% | 6.40% | 9.28% | 9.19% | +188 bps | |
| Net Interest Margin | 2.82% | 2.87% | 3.23% | 3.13% | 3.04% | 3.04% | 3.34% | 3.38% | +25 bps | |
| Efficiency Ratio | 75.69% | 73.01% | 63.24% | 64.35% | 67.29% | 66.76% | 60.58% | 60.86% | -349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 8.45% | 8.72% | 7.48% | 3.79% | 2.19% | 1.77% | 4.17% | -330 bps | |
| Loan Growth (YoY) | 5.89% | 7.57% | 5.57% | 2.20% | 1.59% | 1.45% | 5.81% | 6.62% | +442 bps | |
| Share Growth (YoY) | 11.31% | 9.27% | 8.01% | 6.52% | 2.78% | 1.38% | 1.14% | 3.68% | -284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 3.82% | 2.73% | 4.72% | 3.75% | 3.95% | 3.05% | 6.81% | +210 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 | 14.95% | 14.88% | 14.68% | 15.03% | 15.43% | 15.56% | 15.47% | 15.56% | +54 bps | |
| Net Worth / Assets | 14.95% | 14.88% | 14.68% | 15.03% | 15.43% | 15.56% | 15.47% | 15.56% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.74% | 101.05% | 91.04% | 95.36% | 99.57% | 101.11% | 95.25% | 98.06% | +270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |