Edgeley, ND · Charter 63613
NCUA · 3 branches
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
43
Asset Quality
35
Profitability
71
Liquidity
0
Efficiency
44
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.
Edgeley, ND · Charter 63613
NCUA · 3 branches
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 | 0.86% | 0.59% | 0.37% | -0.12% | 0.16% | 0.28% | 0.67% | 0.88% | +100 bps | |
| Return on Equity | 6.99% | 5.11% | 3.12% | -1.05% | 1.35% | 2.44% | 5.61% | 7.16% | +821 bps | |
| Net Interest Margin | 4.20% | 4.04% | 4.36% | 4.46% | 4.60% | 4.49% | 5.07% | 5.11% | +65 bps | |
| Efficiency Ratio | 86.22% | 88.82% | 93.09% | 97.43% | 94.55% | 91.90% | 82.41% | 80.32% | -1,711 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | -0.03% | 0.92% | 4.35% | 6.46% | 4.82% | 2.01% | 2.05% | -229 bps | |
| Loan Growth (YoY) | -9.22% | -3.73% | -0.70% | 7.09% | 10.58% | 4.87% | 2.73% | -0.38% | -747 bps | |
| Share Growth (YoY) | -3.81% | -0.45% | -0.01% | 4.41% | 3.70% | 5.11% | 2.99% | 2.33% | -209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.99% | 0.66% | 1.87% | 1.10% | 1.36% | 1.81% | 0.96% | -90 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 | 12.32% | 11.62% | 11.82% | 11.76% | 11.63% | 11.32% | 11.95% | 12.27% | +51 bps | |
| Net Worth / Assets | 12.32% | 11.62% | 11.82% | 11.76% | 11.63% | 11.32% | 11.95% | 12.27% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.33% | 94.42% | 95.80% | 103.39% | 106.99% | 94.20% | 95.56% | 100.66% | -274 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edgeley, ND · Charter 63613 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.88%
Rank 706 of 1,683
Net Interest Margin
5.11%
Rank 124 of 1,683
Efficiency Ratio
80.33%
Rank 951 of 1,682
Equity / Assets
12.27%
Rank 954 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.35% | 0.74% | 1.18% | Beats 58% | 706 / 1,683 | ||
| Return on Equity | 7.16% | 2.67% | 5.89% | 8.74% | Beats 63% | 629 / 1,681 | ||
| Net Interest Margin | 5.11% | 3.31% | 3.82% | 4.32% | Beats 93% | 124 / 1,683 | ||
| Efficiency Ratio | 80.33% | 68.91% | 78.20% | 86.93% | Beats 44% | 951 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,102 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.27% | 10.44% | 12.89% | 16.53% | Beats 43% | 954 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.27% | 10.44% | 12.89% | 16.53% | Beats 43% | 954 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.65% | 52.61% | 69.38% | 83.50% | 97th pctl | 55 / 1,683 | ||
| Loans / Assets | 87.46% | 44.71% | 59.18% | 70.72% | 99th pctl | 20 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||