Grand Forks, ND · Charter 62593
NCUA · 1 branch
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
75
Asset Quality
90
Profitability
57
Liquidity
32
Efficiency
27
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.
Grand Forks, ND · Charter 62593
NCUA · 1 branch
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 | 1.97% | 1.83% | 1.28% | 1.17% | 1.17% | 1.14% | 0.71% | 0.75% | -42 bps | |
| Return on Equity | 12.99% | 12.08% | 8.60% | 7.49% | 7.28% | 7.01% | 4.42% | 4.55% | -295 bps | |
| Net Interest Margin | 4.43% | 4.42% | 4.38% | 4.58% | 4.65% | 4.62% | 4.40% | 4.54% | -4 bps | |
| Efficiency Ratio | 67.93% | 68.75% | 76.23% | 78.70% | 78.83% | 79.12% | 86.75% | 86.03% | +733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | 5.43% | 6.49% | 4.24% | 2.36% | 0.18% | -1.51% | -0.10% | -434 bps | |
| Loan Growth (YoY) | 10.13% | 0.26% | -4.23% | -0.44% | -0.80% | -0.33% | -0.05% | -7.41% | -697 bps | |
| Share Growth (YoY) | -2.35% | 3.95% | 4.90% | 2.47% | 1.10% | -1.76% | -2.50% | -0.80% | -327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.06% | 0.05% | 0.04% | 0.04% | 0.00% | 0.01% | 0.04% | 0 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 | 15.13% | 15.12% | 14.84% | 15.60% | 16.05% | 16.22% | 16.04% | 16.53% | +94 bps | |
| Net Worth / Assets | 15.13% | 15.12% | 14.84% | 15.60% | 16.05% | 16.22% | 16.04% | 16.53% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.59% | 87.58% | 83.01% | 90.91% | 90.85% | 88.85% | 85.09% | 84.86% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Forks, ND · Charter 62593 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.75%
Rank 828 of 1,683
Net Interest Margin
4.54%
Rank 314 of 1,683
Efficiency Ratio
86.04%
Rank 1,224 of 1,682
Equity / Assets
16.54%
Rank 420 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 828 / 1,683 | ||
| Return on Equity | 4.54% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,008 / 1,681 | ||
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 81% | 314 / 1,683 | ||
| Efficiency Ratio | 86.04% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,224 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 170 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.54% | 10.44% | 12.89% | 16.53% | Beats 75% | 420 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.54% | 10.44% | 12.89% | 16.53% | Beats 75% | 420 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.86% | 52.61% | 69.38% | 83.50% | 78th pctl | 378 / 1,683 | ||
| Loans / Assets | 69.96% | 44.71% | 59.18% | 70.72% | 74th pctl | 445 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||