Maddock, ND · Charter 62563
NCUA · 13 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
63
Asset Quality
8
Profitability
74
Liquidity
34
Efficiency
72
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.
Maddock, ND · Charter 62563
NCUA · 13 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 | 0.75% | 0.73% | 0.73% | 0.89% | 1.09% | 0.99% | 1.21% | 1.18% | +29 bps | |
| Return on Equity | 5.97% | 5.66% | 5.81% | 6.59% | 7.95% | 7.30% | 8.76% | 8.26% | +167 bps | |
| Net Interest Margin | 3.64% | 3.63% | 3.80% | 4.03% | 4.07% | 3.99% | 4.38% | 4.33% | +30 bps | |
| Efficiency Ratio | 76.02% | 75.11% | 70.26% | 71.29% | 68.82% | 68.83% | 69.56% | 70.45% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | -5.88% | 0.13% | -2.91% | -1.06% | 1.81% | -1.32% | 3.71% | +662 bps | |
| Loan Growth (YoY) | -2.65% | -3.09% | -5.98% | -5.99% | -4.88% | -4.74% | -3.06% | -0.86% | +513 bps | |
| Share Growth (YoY) | 7.21% | 2.99% | 7.97% | 1.85% | -0.06% | 1.79% | 1.24% | 4.72% | +287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 2.04% | 2.30% | 2.65% | 2.14% | 2.28% | 2.32% | 2.87% | +21 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 | 12.59% | 12.87% | 12.58% | 13.50% | 13.70% | 13.63% | 13.85% | 14.31% | +80 bps | |
| Net Worth / Assets | 12.59% | 12.87% | 12.58% | 13.50% | 13.70% | 13.63% | 13.85% | 14.31% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.13% | 89.42% | 82.98% | 89.10% | 88.63% | 83.69% | 79.45% | 84.35% | -475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Maddock, ND · Charter 62563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
1.18%
Rank 419 of 1,683
Net Interest Margin
4.33%
Rank 415 of 1,683
Efficiency Ratio
70.45%
Rank 477 of 1,682
Equity / Assets
14.31%
Rank 626 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.35% | 0.74% | 1.18% | Beats 75% | 419 / 1,683 | ||
| Return on Equity | 8.26% | 2.67% | 5.89% | 8.74% | Beats 72% | 477 / 1,681 | ||
| Net Interest Margin | 4.33% | 3.31% | 3.82% | 4.32% | Beats 75% | 415 / 1,683 | ||
| Efficiency Ratio | 70.45% | 68.91% | 78.20% | 86.93% | Beats 72% | 477 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.87% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,542 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 626 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 626 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.35% | 52.61% | 69.38% | 83.50% | 77th pctl | 395 / 1,683 | ||
| Loans / Assets | 72.01% | 44.71% | 59.18% | 70.72% | 78th pctl | 377 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||