Lisbon, ND · Charter 64688
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 | 1.36% | 0.16% | -1.79% | 1.94% | 0.72% | -0.35% | -0.37% | -0.12% | -206 bps | |
| Return on Equity | 2.23% | 0.26% | -2.94% | 3.12% | 1.16% | -0.56% | -0.59% | -0.18% | -330 bps | |
| Net Interest Margin | 4.61% | 3.69% | 4.64% | 5.12% | 4.49% | 3.48% | 3.81% | 4.56% | -57 bps | |
| Efficiency Ratio | 68.98% | 78.76% | 88.51% | 62.05% | 66.79% | 93.00% | 109.73% | 102.56% | +4,050 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | -0.11% | -2.74% | -3.53% | 0.24% | -3.21% | -2.68% | -3.17% | +36 bps | |
| Loan Growth (YoY) | -4.01% | 2.84% | -3.70% | -14.78% | -9.14% | -8.92% | -10.37% | -0.48% | +1,430 bps | |
| Share Growth (YoY) | -4.25% | -2.11% | -8.53% | -11.14% | -1.52% | -8.68% | -6.80% | -6.26% | +489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.07% | 0.07% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 61.12% | 60.85% | 60.81% | 62.30% | 61.82% | 62.35% | 62.50% | 63.53% | +123 bps | |
| Net Worth / Assets | 61.12% | 60.85% | 60.81% | 62.30% | 61.82% | 62.35% | 62.50% | 63.53% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 141.92% | 134.38% | 132.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |