Watford City, ND · Charter 62380
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |