Williston, ND · Charter 61758
NCUA · 8 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 | 1.74% | 1.57% | 1.01% | 1.25% | 1.32% | 1.36% | 1.40% | 1.27% | +1 bps | |
| Return on Equity | 12.81% | 11.76% | 7.71% | 9.21% | 9.50% | 9.63% | 10.06% | 8.91% | -30 bps | |
| Net Interest Margin | 3.58% | 3.51% | 3.12% | 3.48% | 3.56% | 3.61% | 3.51% | 3.58% | +9 bps | |
| Efficiency Ratio | 61.89% | 63.61% | 71.52% | 67.81% | 67.54% | 66.94% | 66.30% | 64.88% | -293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 8.99% | 11.28% | 9.58% | 7.96% | 4.17% | 4.29% | 5.82% | -375 bps | |
| Loan Growth (YoY) | -0.02% | -3.31% | -2.10% | -4.18% | -3.62% | -2.31% | -1.18% | 1.46% | +564 bps | |
| Share Growth (YoY) | 4.06% | 7.80% | 10.02% | 7.83% | 6.58% | 1.01% | 2.15% | 4.42% | -341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 2.99% | 3.41% | 3.12% | 2.30% | 2.28% | 2.33% | 3.17% | +5 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 | 13.56% | 13.31% | 13.06% | 13.61% | 13.85% | 14.14% | 13.94% | 14.20% | +60 bps | |
| Net Worth / Assets | 13.56% | 13.31% | 13.06% | 13.61% | 13.85% | 14.14% | 13.94% | 14.20% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.56% | 55.76% | 51.50% | 54.15% | 54.76% | 53.93% | 49.82% | 52.61% | -154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |