Grand Forks, ND · Charter 64294
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
83
Asset Quality
20
Profitability
45
Liquidity
75
Efficiency
30
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 64294
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 | 0.53% | 0.07% | -0.51% | -0.49% | -0.27% | 0.01% | 0.19% | 0.52% | +101 bps | |
| Return on Equity | 2.68% | 0.35% | -2.69% | -2.58% | -1.42% | 0.04% | 1.01% | 2.78% | +536 bps | |
| Net Interest Margin | 4.39% | 4.35% | 4.23% | 4.19% | 4.25% | 4.32% | 4.18% | 4.30% | +11 bps | |
| Efficiency Ratio | 87.75% | 94.28% | 101.33% | 100.90% | 96.50% | 93.31% | 91.01% | 84.96% | -1,594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.14% | 2.11% | 2.36% | 2.58% | 2.71% | 2.22% | 2.81% | 2.11% | -47 bps | |
| Loan Growth (YoY) | 4.23% | 1.17% | -6.85% | -13.59% | -12.18% | -8.39% | -3.66% | 0.63% | +1,422 bps | |
| Share Growth (YoY) | 2.48% | 3.35% | 3.68% | 4.37% | 3.94% | 2.78% | 3.52% | 2.40% | -197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 2.40% | 1.84% | 1.40% | 1.58% | 1.50% | 1.34% | 1.54% | +14 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 | 19.99% | 19.56% | 19.10% | 18.81% | 18.86% | 19.07% | 18.68% | 18.85% | +4 bps | |
| Net Worth / Assets | 19.99% | 19.56% | 19.10% | 18.81% | 18.86% | 19.07% | 18.68% | 18.85% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.36% | 86.25% | 79.84% | 76.48% | 76.34% | 76.88% | 74.31% | 75.16% | -133 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 64294 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.53%
Rank 1,098 of 1,683
Net Interest Margin
4.31%
Rank 426 of 1,683
Efficiency Ratio
84.90%
Rank 1,180 of 1,682
Equity / Assets
18.85%
Rank 278 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,098 / 1,683 | ||
| Return on Equity | 2.79% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,241 / 1,681 | ||
| Net Interest Margin | 4.31% | 3.31% | 3.82% | 4.32% | Beats 75% | 426 / 1,683 | ||
| Efficiency Ratio | 84.90% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,180 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,339 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.85% | 10.44% | 12.89% | 16.53% | Beats 83% | 278 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.85% | 10.44% | 12.89% | 16.53% | Beats 83% | 278 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.15% | 52.61% | 69.38% | 83.50% | 60th pctl | 670 / 1,683 | ||
| Loans / Assets | 60.64% | 44.71% | 59.18% | 70.72% | 53rd pctl | 783 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||