Area Community
Grand Forks, ND · Charter 64294 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$27.7MAssets
$16.8MLoans
$22.4MShares
$5.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets (rank 278 of 1683).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets (rank 1339 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |