Bismarck, ND · Charter 64408
NCUA · 2 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 | -3.90% | -2.58% | 0.45% | 0.69% | 0.78% | 0.80% | 1.13% | 0.97% | +29 bps | |
| Return on Equity | -47.93% | -34.20% | 5.70% | 8.50% | 9.54% | 9.67% | 13.31% | 11.32% | +282 bps | |
| Net Interest Margin | 2.33% | 2.18% | 2.41% | 2.66% | 2.80% | 2.92% | 3.25% | 3.25% | +58 bps | |
| Efficiency Ratio | 85.32% | 87.64% | 90.36% | 84.68% | 79.30% | 76.93% | 69.71% | 72.83% | -1,185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | 7.28% | 4.64% | 1.76% | 7.16% | -0.44% | 3.39% | 4.57% | +281 bps | |
| Loan Growth (YoY) | 5.69% | 3.64% | -5.91% | -7.62% | -6.75% | -7.66% | -0.14% | -0.35% | +727 bps | |
| Share Growth (YoY) | 10.00% | 12.47% | 8.05% | 4.78% | 6.98% | 0.49% | 2.72% | 3.88% | -90 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.22% | 0.89% | 0.97% | 0.72% | 0.64% | 0.40% | 0.55% | 2.99% | +227 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 | 8.13% | 7.55% | 7.84% | 8.08% | 8.22% | 8.32% | 8.48% | 8.60% | +52 bps | |
| Net Worth / Assets | 8.13% | 7.55% | 7.84% | 8.08% | 8.22% | 8.32% | 8.48% | 8.60% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.32% | 68.50% | 62.73% | 62.60% | 62.17% | 62.95% | 60.98% | 60.04% | -255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |