Grand Forks, ND · Charter 62593
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.17% | 1.14% | 0.71% | 0.75% | -42 bps | |
| Return on Equity | 7.49% | 7.28% | 7.01% | 4.42% | 4.55% | -295 bps | |
| Net Interest Margin | 4.58% | 4.65% | 4.62% | 4.40% | 4.54% | -4 bps | |
| Efficiency Ratio | 78.70% | 78.83% | 79.12% | 86.75% | 86.03% | +733 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.24% | 2.36% | 0.18% | -1.51% | -0.10% | -434 bps | |
| Loan Growth (YoY) | -0.44% | -0.80% | -0.33% | -0.05% | -7.41% | -697 bps | |
| Share Growth (YoY) | 2.47% | 1.10% | -1.76% | -2.50% | -0.80% | -327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.60% | 16.05% | 16.22% | 16.04% | 16.53% | +94 bps | |
| Net Worth / Assets | 15.60% | 16.05% | 16.22% | 16.04% | 16.53% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |