PackageTrendsPeer
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North Star Community

Maddock, ND · Charter 62563

NCUA · 13 branches

Q2 2026

$464.8MAssets
$334.7MLoans
$396.8MShares
$66.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.18%, up 29 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 2.87% of loans (+21 bps YoY).
  • Capital: net worth / assets of 14.31%, up 80 bps from a year ago.
  • Funding: loans stand at 84.35% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.18%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+30 bps YoY

Efficiency Ratio (YTD, annualized)

70.45%-84 bps YoY

Net Worth / Assets

14.31%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.73%0.73%0.89%1.09%0.99%1.21%1.18%+29 bps
Return on Equity5.97%5.66%5.81%6.59%7.95%7.30%8.76%8.26%+167 bps
Net Interest Margin3.64%3.63%3.80%4.03%4.07%3.99%4.38%4.33%+30 bps
Efficiency Ratio76.02%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 / Loans2.18%2.04%2.30%2.65%2.14%2.28%2.32%2.87%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.59%12.87%12.58%13.50%13.70%13.63%13.85%14.31%+80 bps
Net Worth / Assets12.59%12.87%12.58%13.50%13.70%13.63%13.85%14.31%+80 bps
Liquidity & Funding
Loans / Shares93.13%89.42%82.98%89.10%88.63%83.69%79.45%84.35%-475 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps