PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dakota West

Watford City, ND · Charter 62380

NCUA · 8 branches

Q2 2026

$326.5MAssets
$166.2MLoans
$282.8MShares
$46.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.09%, up 55 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 3.14% of loans (-174 bps YoY).
  • Capital: net worth / assets of 14.17%, up 79 bps from a year ago.
  • Funding: loans stand at 58.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+28 bps YoY

Efficiency Ratio (YTD, annualized)

74.59%-346 bps YoY

Net Worth / Assets

14.17%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.41%0.46%0.73%1.09%+55 bps
Return on Equity4.08%3.10%3.49%5.51%7.71%+362 bps
Net Interest Margin3.36%3.39%3.36%3.21%3.65%+28 bps
Efficiency Ratio78.04%80.39%81.05%80.84%74.59%-346 bps
Growth
Asset Growth (YoY)4.94%4.91%3.08%-0.14%-0.29%-523 bps
Loan Growth (YoY)6.09%-0.51%0.08%-4.35%-3.96%-1,004 bps
Share Growth (YoY)3.77%4.40%1.28%-1.68%-1.63%-540 bps
Asset Quality
Delinquent Loans / Loans4.88%2.71%2.77%4.28%3.14%-174 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.38%13.12%13.24%13.30%14.17%+79 bps
Net Worth / Assets13.38%13.12%13.24%13.30%14.17%+79 bps
Liquidity & Funding
Loans / Shares60.20%58.78%57.04%54.41%58.78%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps