Lisbon, ND · Charter 64688
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
100
Asset Quality
52
Profitability
34
Liquidity
0
Efficiency
6
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.
Lisbon, ND · Charter 64688
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.94% | 0.72% | -0.35% | -0.37% | -0.12% | -206 bps | |
| Return on Equity | 3.12% | 1.16% | -0.56% | -0.59% | -0.18% | -330 bps | |
| Net Interest Margin | 5.12% | 4.49% | 3.48% | 3.81% | 4.56% | -57 bps | |
| Efficiency Ratio | 62.05% | 66.79% | 93.00% | 109.73% | 102.56% | +4,050 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.53% | 0.24% | -3.21% | -2.68% | -3.17% | +36 bps | |
| Loan Growth (YoY) | -14.78% | -9.14% | -8.92% | -10.37% | -0.48% | +1,430 bps | |
| Share Growth (YoY) | -11.14% | -1.52% | -8.68% | -6.80% | -6.26% | +489 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 2.20% | 0.24% | 0.62% | +55 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 62.30% | 61.82% | 62.35% | 62.50% | 63.53% | +123 bps | |
| Net Worth / Assets | 62.30% | 61.82% | 62.35% | 62.50% | 63.53% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 128.89% | 130.94% | 134.01% | 127.19% | 136.83% | +795 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lisbon, ND · Charter 64688 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.09%
Rank 1,509 of 1,683
Net Interest Margin
4.56%
Rank 296 of 1,683
Efficiency Ratio
102.04%
Rank 1,574 of 1,682
Equity / Assets
63.53%
Rank 2 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,509 / 1,683 | |
| Return on Equity | -0.15% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,493 / 1,681 | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 296 / 1,683 | |
| Efficiency Ratio | 102.04% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,574 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 803 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 63.53% | 10.44% | 12.89% | 16.53% | Beats 100% | 2 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 63.53% | 10.44% | 12.89% | 16.53% | Beats 100% | 2 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 136.85% | 52.61% | 69.38% | 83.50% | 100th pctl | 1 / 1,683 | |
| Loans / Assets | 49.91% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,128 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||