Fargo, ND · Charter 65578
NCUA · 5 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 | 0.95% | 0.86% | 0.08% | 0.11% | 0.25% | 0.33% | 0.19% | 0.40% | +28 bps | |
| Return on Equity | 7.55% | 6.66% | 0.66% | 0.87% | 1.97% | 2.57% | 1.51% | 3.11% | +224 bps | |
| Net Interest Margin | 3.76% | 3.84% | 3.92% | 3.89% | 4.09% | 4.12% | 4.10% | 4.18% | +29 bps | |
| Efficiency Ratio | 76.91% | 77.23% | 92.76% | 91.30% | 87.91% | 86.62% | 89.51% | 86.23% | -507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.92% | 27.17% | 0.83% | 0.14% | 1.53% | 3.24% | 3.64% | 5.36% | +522 bps | |
| Loan Growth (YoY) | 18.84% | 16.59% | -1.16% | 2.80% | 4.44% | 6.74% | 5.44% | 3.13% | +33 bps | |
| Share Growth (YoY) | 26.04% | 30.74% | -0.20% | -0.81% | 1.30% | 2.91% | 3.58% | 5.56% | +637 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.65% | 1.08% | 1.41% | 1.30% | 0.86% | 1.30% | 2.88% | +148 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 | 12.65% | 12.86% | 12.63% | 12.89% | 12.78% | 12.78% | 12.54% | 12.70% | -19 bps | |
| Net Worth / Assets | 12.65% | 12.86% | 12.63% | 12.89% | 12.78% | 12.78% | 12.54% | 12.70% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.25% | 81.52% | 79.60% | 84.36% | 84.80% | 84.56% | 81.03% | 82.41% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |