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 | |