Lamoure, ND · Charter 62218
NCUA · 1 branch
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 | 2.22% | 2.20% | 1.84% | 1.55% | 1.76% | -46 bps | |
| Return on Equity | 12.18% | 11.80% | 10.50% | 8.79% | 9.32% | -287 bps | |
| Net Interest Margin | 3.82% | 3.84% | 3.54% | 3.28% | 3.58% | -24 bps | |
| Efficiency Ratio | 46.15% | 46.97% | 51.91% | 55.70% | 53.61% | +746 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | 6.43% | 5.25% | 6.87% | 5.90% | -1 bps | |
| Loan Growth (YoY) | 1.28% | 1.67% | 4.31% | 3.51% | 5.86% | +458 bps | |
| Share Growth (YoY) | 4.45% | 5.01% | 4.12% | 5.92% | 4.80% | +36 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 18.22% | 18.65% | 17.53% | 17.64% | 18.93% | +71 bps | |
| Net Worth / Assets | 18.22% | 18.65% | 17.53% | 17.64% | 18.93% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.60% | 58.98% | 54.53% | 51.08% | 58.18% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |