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 | |