Maddock, ND · Charter 62563
NCUA · 13 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 | 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 | |