Watford City, ND · Charter 62380
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
7
Profitability
59
Liquidity
65
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Watford City, ND · Charter 62380
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 | 1.00% | 0.95% | 0.41% | 0.55% | 0.41% | 0.46% | 0.73% | 1.09% | +55 bps | |
| Return on Equity | 7.54% | 7.24% | 3.22% | 4.08% | 3.10% | 3.49% | 5.51% | 7.71% | +362 bps | |
| Net Interest Margin | 3.34% | 3.30% | 3.14% | 3.36% | 3.39% | 3.36% | 3.21% | 3.65% | +28 bps | |
| Efficiency Ratio | 72.72% | 73.95% | 77.28% | 78.04% | 80.39% | 81.05% | 80.84% | 74.59% | -346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 6.16% | 9.38% | 4.94% | 4.91% | 3.08% | -0.14% | -0.29% | -523 bps | |
| Loan Growth (YoY) | 1.57% | 4.04% | 5.02% | 6.09% | -0.51% | 0.08% | -4.35% | -3.96% | -1,004 bps | |
| Share Growth (YoY) | 3.08% | 5.27% | 8.46% | 3.77% | 4.40% | 1.28% | -1.68% | -1.63% | -540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.87% | 5.11% | 4.88% | 2.71% | 2.77% | 4.28% | 3.14% | -174 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 | 13.22% | 13.17% | 12.74% | 13.38% | 13.12% | 13.24% | 13.30% | 14.17% | +79 bps | |
| Net Worth / Assets | 13.22% | 13.17% | 12.74% | 13.38% | 13.12% | 13.24% | 13.30% | 14.17% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.67% | 57.73% | 55.93% | 60.20% | 58.78% | 57.04% | 54.41% | 58.78% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Watford City, ND · Charter 62380 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.09%
Rank 503 of 1,683
Net Interest Margin
3.64%
Rank 995 of 1,683
Efficiency Ratio
74.59%
Rank 659 of 1,682
Equity / Assets
14.17%
Rank 649 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 503 / 1,683 | ||
| Return on Equity | 7.71% | 2.67% | 5.89% | 8.74% | Beats 67% | 554 / 1,681 | ||
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 41% | 995 / 1,683 | ||
| Efficiency Ratio | 74.59% | 68.91% | 78.20% | 86.93% | Beats 61% | 659 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.14% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,559 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.17% | 10.44% | 12.89% | 16.53% | Beats 61% | 649 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.17% | 10.44% | 12.89% | 16.53% | Beats 61% | 649 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.78% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,125 / 1,683 | ||
| Loans / Assets | 50.90% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,092 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||