PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Savings

Fargo, ND · Charter 65578

NCUA · 5 branches

Q2 2026

$125.2MAssets
$89.5MLoans
$108.6MShares
$15.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.40%, up 28 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 2.88% of loans (+148 bps YoY).
  • Capital: net worth / assets of 12.70%, down 19 bps from a year ago.
  • Funding: loans stand at 82.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+29 bps YoY

Efficiency Ratio (YTD, annualized)

86.23%-507 bps YoY

Net Worth / Assets

12.70%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.25%0.33%0.19%0.40%+28 bps
Return on Equity0.87%1.97%2.57%1.51%3.11%+224 bps
Net Interest Margin3.89%4.09%4.12%4.10%4.18%+29 bps
Efficiency Ratio91.30%87.91%86.62%89.51%86.23%-507 bps
Growth
Asset Growth (YoY)0.14%1.53%3.24%3.64%5.36%+522 bps
Loan Growth (YoY)2.80%4.44%6.74%5.44%3.13%+33 bps
Share Growth (YoY)-0.81%1.30%2.91%3.58%5.56%+637 bps
Asset Quality
Delinquent Loans / Loans1.41%1.30%0.86%1.30%2.88%+148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.89%12.78%12.78%12.54%12.70%-19 bps
Net Worth / Assets12.89%12.78%12.78%12.54%12.70%-19 bps
Liquidity & Funding
Loans / Shares84.36%84.80%84.56%81.03%82.41%-194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps